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    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-676": {
   "value": "-99263000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-677": {
   "value": "-182000",
   "decimals": -3,
   "dimensions": {
    "concept": "bogg:EffectOfExpectedCreditLossesOnCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-678": {
   "value": "-334000",
   "decimals": -3,
   "dimensions": {
    "concept": "bogg:EffectOfExpectedCreditLossesOnCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-679": {
   "value": "48000",
   "decimals": -3,
   "dimensions": {
    "concept": "bogg:EffectOfExpectedCreditLossesOnCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-680": {
   "value": "-483019000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-681": {
   "value": "2064281000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-682": {
   "value": "-450393000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-683": {
   "value": "3584843000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-684": {
   "value": "1520562000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-685": {
   "value": "1970955000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2021-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-686": {
   "value": "3101824000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-687": {
   "value": "3584843000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-688": {
   "value": "1520562000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GEL"
   }
  },
  "fact-691": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs50\">1.  Principal activities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs51\">Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C (\u2018BOGG\u2019) is a public limited liability company<span class=\"_ _0\"></span> incorpor<span class=\"_ _0\"></span>ated in England and W<span class=\"_ _0\"></span>ales with register<span class=\"_ _0\"></span>ed number </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs52\">10917019<span class=\"_ _d\"></span>. BOGG holds 99.56% of <span class=\"_ _0\"></span>the share capital of <span class=\"_ _0\"></span>JSC Bank of Geor<span class=\"_ _0\"></span>gia (the \u2018Bank\u2019) as at 31 December 2023, r<span class=\"_ _0\"></span>epresenting the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs53\">Bank\u2019<span class=\"_ _0\"></span>s ultimate parent c<span class=\"_ _0\"></span>ompany<span class=\"_ _d\"></span>. T<span class=\"_ _d\"></span>ogether with <span class=\"_ _0\"></span>the Bank and other subsidiaries, the Gr<span class=\"_ _0\"></span>oup makes up a group o<span class=\"_ _0\"></span>f companies (the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54\">\u2018Gr<span class=\"_ _0\"></span>oup\u2019) and pro<span class=\"_ _0\"></span>vides banking, leasing, broker<span class=\"_ _0\"></span>age and investment management services t<span class=\"_ _0\"></span>o corporate and individual customers. <span class=\"_ _0\"></span>The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs55\">shares of<span class=\"_ _0\"></span> BOGG (\u2018BOGG Shares\u2019) are admit<span class=\"_ _0\"></span>ted to the premium listing segmen<span class=\"_ _0\"></span>t of the Official List of<span class=\"_ _0\"></span> the UK Listing Authority<span class=\"_ _0\"></span> and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs56\">admitted to <span class=\"_ _0\"></span>trading on the London Stock Ex<span class=\"_ _0\"></span>change PL<span class=\"_ _0\"></span>C\u2019<span class=\"_ _0\"></span>s Main Market f<span class=\"_ _0\"></span>or listed securities, eff<span class=\"_ _0\"></span>ective 21 May 2018. <span class=\"_ _0\"></span>The Bank is the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs57\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main operating unit and accoun<span class=\"_ _0\"></span>ts for most o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs58\">JSC Bank of Geor<span class=\"_ _0\"></span>gia was established on 21 October 1994 as a joint stock c<span class=\"_ _0\"></span>ompany (<span class=\"_ _0\"></span>JSC) under the laws of Geor<span class=\"_ _0\"></span>gia. The Bank </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs59\">operates under<span class=\"_ _0\"></span> a general banking licence issued b<span class=\"_ _0\"></span>y the National Bank of<span class=\"_ _0\"></span> Georgia (\u2018NBG\u2019; the Centr<span class=\"_ _0\"></span>al Bank of Georgia) on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a\">15 December 1994.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b\">The Bank accepts deposits <span class=\"_ _0\"></span>from the public and e<span class=\"_ _0\"></span>xtends credit, transf<span class=\"_ _0\"></span>ers payments in Geor<span class=\"_ _0\"></span>gia and internationally<span class=\"_ _d\"></span>, and exchanges </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c\">currencies. Its main of<span class=\"_ _0\"></span>fice is in Tbilisi, Geor<span class=\"_ _0\"></span>gia. At 31 December<span class=\"_ _0\"></span> 2023, the Bank has 189 operating outlets in all major<span class=\"_ _0\"></span> cities of Georgia </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d\">(31 December 2022: 211, 31 December<span class=\"_ _0\"></span> 2021: 211). The Bank\u2019<span class=\"_ _d\"></span>s registered legal addr<span class=\"_ _0\"></span>ess is 29a Gagarini Street, Tbilisi 0160<span class=\"_ _0\"></span>, Georgia.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e\">BOGG\u2019<span class=\"_ _0\"></span>s register<span class=\"_ _0\"></span>ed legal address is 29 Farm S<span class=\"_ _0\"></span>treet, London, W1J 5RL, United Kingdom.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f\">As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the <span class=\"_ _0\"></span>following shar<span class=\"_ _0\"></span>eholders owned more than 3% o<span class=\"_ _0\"></span>f the total </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60\">outstanding shares of<span class=\"_ _0\"></span> BOGG. Other shar<span class=\"_ _0\"></span>eholders individually owned less <span class=\"_ _0\"></span>than 3% of the outstanding shar<span class=\"_ _0\"></span>es.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs61\">Shareholder<span class=\"_ _3e0\"> </span></div><div class=\"gs62\"><table class=\"s w28e hff\" id=\"_2219f046-5982-4a64-afef-b5c926432caa\"><tr><td></td><td class=\"t m1 x48b h77 y4b3d ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x48c h77 y4b3d ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x48d h77 y4b3d ffb fs1d fc1 sc0 ls0 ws0\">31 December </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4b3e ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4b3e ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4b3e ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b3f w28f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">JSC Georgia Capit<span class=\"_ _0\"></span>al**<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x491 y4b3f w290 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>.71%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x492 y4b3f w291 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x493 y4b3f w292 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w293 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">M&amp;G Investment Managemen<span class=\"_ _0\"></span>t Ltd<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x494 y4b40 w294 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.84%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x495 y4b40 w295 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x496 y4b40 w296 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.86%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w297 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dimensional Fund A<span class=\"_ _0\"></span>dvisors (DFA) LP<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x497 y4b41 w298 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4b41 w299 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.67%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x499 y4b41 w29a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w29b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">JP Morgan <span class=\"_ _0\"></span>Asset Management<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49a y4b42 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49b y4b42 w29d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49c y4b42 w29e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>17%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w29f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BlackRock Inv<span class=\"_ _0\"></span>estment Management (UK)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4b43 w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49e y4b43 w2a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49f y4b43 w2a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.57%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w2a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>anguard Gr<span class=\"_ _0\"></span>oup Inc<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a0 y4b44 w2a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.33%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a1 y4b44 w2a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a2 y4b44 w2a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.42%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w2a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gemsstock Ltd<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a3 y4b45 w2a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a4 y4b45 w2a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">2<span class=\"_ _39\"></span>.47<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a5 y4b45 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Others<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4b46 w2ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a7 y4b46 w2ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61.05%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a8 y4b46 w2ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68.<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a9 y4aa3 w2af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100.00%</div></td><td class=\"c n x4aa y4aa3 w2b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100.00%</div></td><td class=\"c n x4ab y4aa3 w2b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs63\">* <span class=\"_ _299\"> </span>For the purposes of calculating perc<span class=\"_ _0\"></span>entage of shareholding, the denominator include<span class=\"_ _0\"></span>s total number of issued shares, <span class=\"_ _0\"></span>which includes shares held in the trust f<span class=\"_ _0\"></span>or the  </div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs64\">share-based compensation purposes of <span class=\"_ _0\"></span>the Group.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs65\">** <span class=\"_ _105\"> </span>JSC Georgia Capital will ex<span class=\"_ _0\"></span>ercise its voting rights at <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _0\"></span>s general meetings in acc<span class=\"_ _0\"></span>ordance with the v<span class=\"_ _0\"></span>otes cast by all other<span class=\"_ _0\"></span> Group Shareholders, as long as <span class=\"_ _0\"></span>JSC Georgia </div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs66\">Capital\u2019<span class=\"_ _0\"></span>s percentage holding in Bank of<span class=\"_ _0\"></span> Georgia Group PL<span class=\"_ _0\"></span>C is greater than 9<span class=\"_ _d\"></span>.9%.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs67\">As at 31 December 2023, <span class=\"_ _0\"></span>the members of the Board o<span class=\"_ _0\"></span>f Directors of BOGG o<span class=\"_ _0\"></span>wned 760,209 shar<span class=\"_ _0\"></span>es or 1.<span class=\"_ _0\"></span>7% (31 December 2022: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs68\">665,<span class=\"_ _0\"></span>980 shares or 1.4%, 31 December<span class=\"_ _0\"></span> 2021: 516,<span class=\"_ _d\"></span>116 shares or 1.0%) of BOGG<span class=\"_ _0\"></span>. Inter<span class=\"_ _0\"></span>ests of the members of <span class=\"_ _0\"></span>the Board of Dir<span class=\"_ _0\"></span>ectors of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs69\">BOGG were as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6a\">Shareholder<span class=\"_ _3e0\"> </span></div><div class=\"gs6b\"><table class=\"s w2b1 h100\" id=\"_1fe463cf-78ee-46a8-be35-0360fc9150f7\"><tr><td></td><td class=\"t m1 x48b h77 y4b47 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td></td><td class=\"t m1 x48c h77 y4b47 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td></td><td class=\"t m1 x48d h77 y4b47 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td></td></tr><tr><td></td><td class=\"c n x4ac y4b49 w2b2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023,</div></td><td class=\"c n x4ad y4b49 w2b3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">shares</div></td><td class=\"c n x4ae y4b49 w2b4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022,</div></td><td class=\"c n x4af y4b49 w2b3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">shares</div></td><td class=\"c n x4b0 y4b49 w2b5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2021,</div></td><td class=\"c n x4b1 y4b49 w2b3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">shares<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x4b2 h77 y4b4a ffb fs1d fc1 sc0 ls0 ws0\">held<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4b3 h77 y4b4a ffb fs1d fc1 sc0 ls0 ws0\">held<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4b4 h77 y4b4a ffb fs1d fc1 sc0 ls0 ws0\">held<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b4b w2b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 wsb7\">Neil Janin*<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b5 y4b4b w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b6 y4b4b w2b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b7 y4b4b w2b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">32,880<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c w2ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mel Carvill*<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b8 y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b9 y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4ba y4b4c w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d w2bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Archil Gachechiladz<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4bb y4b4d w85 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">718,207<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4bc y4b4d w2bc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">623,<span class=\"_ _0\"></span>978<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4bd y4b4d w2bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>42,23<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4e w2be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Al Breach<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1ef y4b4e w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">30,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4be y4b4e w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">30,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4bf y4b4e w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">30,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w2c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>amaz Georgadze<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c0 y4b41 w2c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c1 y4b41 w2c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c2 y4b41 w2c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w2c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Hanna Loikkanen<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c3 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c4 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c5 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w2c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Jonathan Muir<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b8 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4b9 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c6 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4f w2c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Cecil Quillen<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c7 y4b4f w2c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c8 y4b4f w2c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,900<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4c9 y4b4f w2c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w2c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>\u00e9ronique McC<span class=\"_ _0\"></span>arroll<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4ca y4ac8 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4cb y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4cc y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w2ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Mariam Megvinetukhutsesi<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4cd y4b3c w2cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls82 wsbb\">4<span class=\"_ _39\"></span>,1<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4ce y4b3c w2cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4cf y4b3c w2cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4d0 y4aa3 w2cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">760<span class=\"_ _0\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4d1 y4aa3 w2d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">665,980<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4d2 y4aa3 w2d1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">516,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs6c\">* <span class=\"_ _299\"> </span>Neil Janin stepped down fr<span class=\"_ _0\"></span>om the Board in 2022 and was r<span class=\"_ _0\"></span>eplaced by Mel Carvill.</div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-3": {
   "value": "Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "public limited liability company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "England and W<span class=\"_ _0\"></span>ales",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "T<span class=\"_ _d\"></span>ogether with <span class=\"_ _0\"></span>the Bank and other subsidiaries, the Gr<span class=\"_ _0\"></span>oup makes up a group o<span class=\"_ _0\"></span>f companies (the \u2018Gr<span class=\"_ _0\"></span>oup\u2019) and pro<span class=\"_ _0\"></span>vides banking, leasing, broker<span class=\"_ _0\"></span>age and investment management services t<span class=\"_ _0\"></span>o corporate and individual customers. <span class=\"_ _0\"></span>The shares of<span class=\"_ _0\"></span> BOGG (\u2018BOGG Shares\u2019) are admit<span class=\"_ _0\"></span>ted to the premium listing segmen<span class=\"_ _0\"></span>t of the Official List of<span class=\"_ _0\"></span> the UK Listing Authority<span class=\"_ _0\"></span> and admitted to <span class=\"_ _0\"></span>trading on the London Stock Ex<span class=\"_ _0\"></span>change PL<span class=\"_ _0\"></span>C\u2019<span class=\"_ _0\"></span>s Main Market f<span class=\"_ _0\"></span>or listed securities, eff<span class=\"_ _0\"></span>ective 21 May 2018. <span class=\"_ _0\"></span>The Bank is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main operating unit and accoun<span class=\"_ _0\"></span>ts for most o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-692": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs6e\">2.  B<span class=\"_ _2\"></span>asis of pr<span class=\"_ _0\"></span>eparation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs6f\">General<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs70\">In accor<span class=\"_ _0\"></span>dance with the ex<span class=\"_ _0\"></span>emption permitted under section 408 of <span class=\"_ _0\"></span>the Companies Act 2006, the separ<span class=\"_ _0\"></span>ate income statement </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71\">of BOGG is not pr<span class=\"_ _0\"></span>esented as part of these financial statements. BOGG\u2019<span class=\"_ _d\"></span>s income f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear is disclosed within the separat<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs72\">statement of <span class=\"_ _0\"></span>financial position and the separate statement o<span class=\"_ _0\"></span>f changes in equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs73\">The financial statements of<span class=\"_ _0\"></span> Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC ar<span class=\"_ _0\"></span>e prepar<span class=\"_ _0\"></span>ed in accordance <span class=\"_ _0\"></span>with international accounting standar<span class=\"_ _0\"></span>ds </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs74\">in conf<span class=\"_ _0\"></span>ormity with the r<span class=\"_ _0\"></span>equirements of<span class=\"_ _0\"></span> the Companies Act 2006 and pr<span class=\"_ _0\"></span>epared in accor<span class=\"_ _0\"></span>dance with UK<span class=\"_ _d\"></span>-adopted international </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs75\">accounting standar<span class=\"_ _0\"></span>ds as at 31 December 2023.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76\">These financial statements ar<span class=\"_ _0\"></span>e prepar<span class=\"_ _0\"></span>ed under the historical cost c<span class=\"_ _0\"></span>onvention ex<span class=\"_ _0\"></span>cept f<span class=\"_ _0\"></span>or:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77\">\u2022 <span class=\"_ _59\"> </span>the measurement at f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> financial assets and investment securities, deriv<span class=\"_ _0\"></span>ative financial assets and liabilities and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78\">investment pr<span class=\"_ _0\"></span>operties;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79\">\u2022 <span class=\"_ _59\"> </span>the measurement of in<span class=\"_ _0\"></span>ventories at lower o<span class=\"_ _0\"></span>f cost and net realisable <span class=\"_ _0\"></span>value; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a\">\u2022 <span class=\"_ _59\"> </span>the measurement of non-curr<span class=\"_ _0\"></span>ent assets classified as held f<span class=\"_ _0\"></span>or sale at lower of<span class=\"_ _0\"></span> cost and fair<span class=\"_ _0\"></span> value less costs to sell.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b\">The financial statements ar<span class=\"_ _0\"></span>e presented in <span class=\"_ _0\"></span>thousands of Georgian Lari (<span class=\"_ _0\"></span>GEL), exc<span class=\"_ _0\"></span>ept per-share amounts and unless </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c\">otherwise<span class=\"_ gs7d\"> </span>indicated. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs7e\">Going concern<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7f\">In adopting the going concern basis <span class=\"_ _0\"></span>for pr<span class=\"_ _0\"></span>eparing the consolidated financial statemen<span class=\"_ _0\"></span>ts, the Directors have c<span class=\"_ _0\"></span>onsidered the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs80\">business activities, objectives and strategy<span class=\"_ _d\"></span>, principal risks and uncertainties in achieving its objectives, and perf<span class=\"_ _0\"></span>ormance. The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs81\">Directors hav<span class=\"_ _0\"></span>e performed a robust assessment of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial for<span class=\"_ _0\"></span>ecasts across a r<span class=\"_ _0\"></span>ange of scenarios ov<span class=\"_ _0\"></span>er 12 months fr<span class=\"_ _0\"></span>om </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs82\">the date the financial statemen<span class=\"_ _0\"></span>ts are authorised f<span class=\"_ _0\"></span>or issue, by<span class=\"_ _0\"></span> carrying out stress testing, incorpor<span class=\"_ _0\"></span>ating extr<span class=\"_ _0\"></span>eme downside scenario </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs83\">and rev<span class=\"_ _0\"></span>erse stress testing, <span class=\"_ _0\"></span>which involved e<span class=\"_ _0\"></span>xamining the level o<span class=\"_ _0\"></span>f disruption that may c<span class=\"_ _0\"></span>ause the Group to <span class=\"_ _0\"></span>fail. Based on this, the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs84\">Directors c<span class=\"_ _0\"></span>onfirm that the<span class=\"_ _0\"></span>y have a r<span class=\"_ _0\"></span>easonable expectation that the Compan<span class=\"_ _0\"></span>y and the Gr<span class=\"_ _0\"></span>oup, as a whole, have adequate r<span class=\"_ _0\"></span>esources </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs85\">to continue in oper<span class=\"_ _0\"></span>ational existence f<span class=\"_ _0\"></span>or the 12-mon<span class=\"_ _0\"></span>ths from <span class=\"_ _0\"></span>the date the financial statements ar<span class=\"_ _0\"></span>e authorised for issue<span class=\"_ _0\"></span>. Furthermore, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs86\">management is not awar<span class=\"_ _0\"></span>e of any<span class=\"_ _0\"></span> material uncertainties that may c<span class=\"_ _0\"></span>ast significant doubt upon the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s abilit<span class=\"_ _2\"></span>y to c<span class=\"_ _0\"></span>ontinue as a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs87\">going concern f<span class=\"_ _0\"></span>or the f<span class=\"_ _0\"></span>oreseeable f<span class=\"_ _0\"></span>uture. <span class=\"_ _0\"></span>Theref<span class=\"_ _0\"></span>ore, the <span class=\"_ _0\"></span>financial statements continue to be pr<span class=\"_ _0\"></span>epared on the going conc<span class=\"_ _0\"></span>ern basis.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs88\">Impact of climate-r<span class=\"_ _0\"></span>elated risks on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _d\"></span>s financial position and performance<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs89\">As described in Note 30 to the <span class=\"_ _0\"></span>financial statements, the Gr<span class=\"_ _0\"></span>oup has identified Climate Risk as an emerging risk. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, qualitative </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs8a\">analysis of the impact of climat<span class=\"_ _0\"></span>e change and low-carbon tr<span class=\"_ _0\"></span>ansitions on traditional banking risk and on the sectors in <span class=\"_ _0\"></span>which our </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs8b\">clients are active lead us <span class=\"_ _0\"></span>to believe that ther<span class=\"_ _0\"></span>e is currently<span class=\"_ _0\"></span> no material short (less than 2 year<span class=\"_ _0\"></span>s) to medium (2 to 5 <span class=\"_ _0\"></span>years) term impact </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs8c\">of climate change e<span class=\"_ _0\"></span>xpected. The Group con<span class=\"_ _0\"></span>tinues to refine its assessmen<span class=\"_ _0\"></span>t of such risks and will reassess <span class=\"_ _0\"></span>whether the impact of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs8d\">climate-related risks on its <span class=\"_ _0\"></span>financial position and performance need to be consider<span class=\"_ _0\"></span>ed in futur<span class=\"_ _0\"></span>e reporting periods.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs8f\">Subsidiaries and associates<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs90\">The consolidated financial statemen<span class=\"_ _0\"></span>ts as at 31 December 2023, 31 December 20<span class=\"_ _0\"></span>22 and 31 December 2021 include the f<span class=\"_ _0\"></span>ollowing </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs91\">subsidiaries and associates: </div><div class=\"gs92\"><table class=\"s w2d2 h102\" id=\"_5d98be06-8b32-4e26-bd84-b13306fba561\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4b50 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4b51 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4b53 ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4b54 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4b55 w2d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4b55 w2d4 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4b55 w2d5 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b57 w2d6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">BGEO Group Limited<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4e2 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e3 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e4 y4b57 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e5 y4b57 w2d9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x4e7 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">Holding </td><td class=\"c n x4e8 y4b57 w2da h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/10/2011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e9 y4b57 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b59 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4ec h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Company<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b5a w2dc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC BGEO Group<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4ed y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ee y4b5a w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ef y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f0 y4b5a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4f1 y4b5a w2df h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a Gagarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b5a w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f3 y4b5a w2e1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f4 y4b5a w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b5b ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b5c w2e3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Idea<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4f6 y4b5c w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f7 y4b5c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f8 y4b5c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f9 y4b5c w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4fa y4b5c w2e4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Street,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fb y4b5c w2e5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fc y4b5c w2e6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">26/12/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fd y4b5c w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4b5d ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4b5e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Bank of </td><td></td><td></td><td></td><td class=\"c n x4ff y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x500 y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x501 y4b5f wc1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x502 y4b5f w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x503 y4b5f w2e9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a G<span class=\"_ _2\"></span>agarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b5f w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x505 y4b5f w2eb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/10/1994<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x506 y4b5f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x507 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b62 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50c y4b62 w2ec h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x50d h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x50e y4b62 w2ed h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/8/2010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50f y4b62 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b63 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">Office UK<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b65 ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _4a\"></span>T<span class=\"_ _d\"></span>ree of Life </td><td></td><td></td><td></td><td class=\"c n x509 y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b67 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b67 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x512 y4b67 w2ef h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x513 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">Charitable </td><td class=\"c n x514 y4b67 w2f0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/8/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x515 y4b67 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Foundation </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x516 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi 0105<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b69 ff2 fs1 fc1 sc0 ls0 ws0\">NPO (formerly<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6a ff2 fs1 fc1 sc0 ls0 ws0\">known as Bank of </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6b ff2 fs1 fc1 sc0 ls0 ws0\">Georgia Futur<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6c ff2 fs1 fc1 sc0 ls0 ws0\">Foundation, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6d ff2 fs1 fc1 sc0 ls1d ws3b\">NPO)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b6f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x518 y4b6f w2f1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Hungar<span class=\"_ _2\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x519 y4b6f w2f2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51a y4b6f w2f3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Budapest,</div></td><td class=\"t m1 x51b h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b6f w2f4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">18/<span class=\"_ _0\"></span>6/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51c y4b6f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">Szabads\u00e1g t\u00e9r<span class=\"_ _0\"></span> 7; </td><td class=\"t m1 x51e h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\">Office Hungary<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51f h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Bank Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b72 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b72 w2f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">R<span class=\"_ _0\"></span>epresentative<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b72 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x521 y4b72 w2f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>urke<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x522 y4b72 w2f8 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">S\u00fcleyman Seba</div></td><td class=\"t m1 x51b h4 y4b73 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b72 w260 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x523 y4b72 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b74 ff2 fs1 fc1 sc0 ls0 wsf2\">Office of JSC </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Caddesi No:48 </td><td class=\"t m1 x51e h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\">Bank of Georgia </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">A Blok Dair<span class=\"_ _0\"></span>e 82 </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws87\">in T<span class=\"_ _d\"></span>urkey </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Akar<span class=\"_ _0\"></span>etler Be\u015fikta\u015f </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x527 y4b77 w2f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">34357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x528 y4b77 w2fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Istanbul<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b78 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b78 w2fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gia <span class=\"_ _4b\"> </span>Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b78 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x529 y4b78 w2fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Isr<span class=\"_ _0\"></span>ael<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52a y4b78 w2fd h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7 Menahem Begin,</div></td><td class=\"t m1 x50d h4 y4b79 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x52b y4b78 w2fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>/2/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52c y4b78 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">Investments, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x52d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Ramat Gan 52681<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b7b ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b7c w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b7c w2ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Benderlock<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b7c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b7c w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b7c w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b7c w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x531 y4b7c w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">12/5/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x532 y4b7c w304 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">13/10/2009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws0\">Investments </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7f ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4b80 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4b80 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x535 h4 y4b81 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Belarusky </td><td></td><td class=\"c n x4ff y4b82 w307 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x536 y4b82 w308 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x537 y4b82 w309 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x538 y4b82 w30a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x539 y4b82 w30b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b82 w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53a y4b82 w30c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">16/4/1992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53b y4b82 w30d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _0\"></span>6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\">Narodny<span class=\"_ _0\"></span> Bank<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, Minsk, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x53d h4 y4b84 ff2 fs1 fc1 sc0 ls0 ws0\">220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b85 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b85 w30f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">BNB <span class=\"_ _4b\"> </span>Leasing,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4b85 w310 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x541 y4b85 w311 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x542 y4b85 w312 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x543 y4b85 w313 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x544 y4b85 w314 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b85 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x546 y4b85 w316 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">30/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x547 y4b85 w317 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4b86 ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b86 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, room </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b87 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">3, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b88 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4b88 w318 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gian <span class=\"_ _4b\"> </span>Leasing<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b88 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b88 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54a y4b88 w319 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3-5 Kazbegi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b88 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54b y4b88 w31a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/2001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54c y4b88 w31b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/<span class=\"_ _2\"></span>12/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Company<span class=\"_ _d\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x54d h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street,<span class=\"_ _5\"></span>Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x54e y4b8a w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54f y4b8a w31c h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Prime Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x550 y4b8a w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x551 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x552 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x553 y4b8a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x554 y4b8a w31d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Didube-Chughur<span class=\"_ _0\"></span>eti<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b8a w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x555 y4b8a w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>/1/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x556 y4b8a w31f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/1/2015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8b ff2 fs1 fc1 sc0 ls0 ws20\" colspan=\"2\">district, Ak<span class=\"_ _2\"></span>. T<span class=\"_ _0\"></span>sereteli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8c ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue \u2116114, Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b8d w320 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC BG Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x558 y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x559 y4b8d w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55a y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55b y4b8d w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x55c y4b8d w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b8d w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55d y4b8d w322 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/8/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55e y4b8d w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b8e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b8f w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b8f w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Galt &amp; </td><td></td><td class=\"c n x509 y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b91 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b91 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4b91 w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x562 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage </td><td class=\"c n x563 y4b91 w325 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>/12<span class=\"_ _2\"></span>/1995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x564 y4b91 w326 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/200<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td class=\"t m1 x565 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\">and asset </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b93 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b93 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi</div></td><td class=\"t m1 x566 h4 y4b94 ff2 fs1 fc1 sc0 ls0 ws0\">management<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b95 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b95 w327 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Branch<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b95 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x567 y4b95 w328 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Azerbaijan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x568 y4b95 w329 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1C Mikayil Mushvig,</div></td><td class=\"t m1 x51b h4 y4b96 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b95 w32a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x569 y4b95 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office of \u2018BG </td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Kempinski Hot<span class=\"_ _0\"></span>el </td><td class=\"t m1 x51e h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b98 ff2 fs1 fc1 sc0 ls0 wsf2\" colspan=\"2\">Kapital\u2019 JSC </td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h4 y4b98 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Badamdar<span class=\"_ _d\"></span>, 6th </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws77\" colspan=\"2\">in Azerbaijan<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws29\" colspan=\"2\">floor<span class=\"_ _d\"></span>, Y<span class=\"_ _0\"></span>asamal. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x56b y4b9a w32b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">AZ1006,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56c y4b9a w32c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Baku<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9b w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9b w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9b w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4b9b w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4b9b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4b9b w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x570 y4b9b w330 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Krtsanisi district<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x51b h4 y4b9c ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b9b w331 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/9/20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x571 y4b9b w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart SPV </td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Pushkin street N3, </td><td class=\"t m1 x51e h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">2 LL<span class=\"_ _0\"></span>C*<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9f w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9f w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b9f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b9f w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b9f w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b9f w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x573 y4b9f w332 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x574 y4b9f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Holdings </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4ba3 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4ba3 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4ba5 w30e h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4ba5 w333 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">BG <span class=\"_ _4b\"> </span>Capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4ba5 w2dd h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x575 y4ba5 w313 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x576 y4ba5 w334 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">5A-<span class=\"_ _0\"></span>3\u041d, K.Chornogo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x577 y4ba5 w335 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x578 y4ba5 w268 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">19/2/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x579 y4ba5 w2db h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">(Belarus), </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">lane, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4ba7 ff2 fs1 fc1 sc0 ls0 ws0\">LL<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gs94\"><table class=\"s w336 h106\" id=\"_5767dd58-38d0-459c-aa06-bead13280b02\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4ba8 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4ba9 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4bab ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4bac ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4bad w2d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4bad w2d4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4bad w2d5 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x422 h4 y4bae ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Digital <span class=\"_ _4b\"> </span>Area </td><td></td><td></td><td></td><td class=\"c n x509 y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bb0 w2dd h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bb0 w2ee h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4bb0 w321 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb0 w337 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57b y4bb0 w338 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">8/6/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57c y4bb0 w2db h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 wsf2\">(former JS<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 ws0\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb2 ff2 fs1 fc1 sc0 ls0 ws0\">Polymath Gr<span class=\"_ _0\"></span>oup)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb3 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb3 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb4 w339 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Extra area<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x57d y4bb4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57e y4bb4 w33a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57f y4bb4 w33b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">98.68%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x580 y4bb4 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x581 y4bb4 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb4 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bb4 w33d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/5/2019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x583 y4bb4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb5 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb6 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb6 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x584 y4bb7 w33e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Easy<span class=\"_ _0\"></span> Box LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x585 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x586 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x587 y4bb7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x588 y4bb7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x589 y4bb7 w33f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58a y4bb7 w340 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransportation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58b y4bb7 w341 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/12/2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58c y4bb7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bb8 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bb9 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Optimo </td><td></td><td class=\"c n x509 y4bba w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bba w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58d y4bba w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58e y4bba w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58f y4bba w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bba w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x590 y4bba w343 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/<span class=\"_ _2\"></span>11/2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x591 y4bba w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Global<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x592 y4bbc w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x593 y4bbc w344 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">OPTIMO, <span class=\"_ _4b\"> </span>FE<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4bbc w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bbc w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bbc w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x594 y4bbc w345 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Uzbekistan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x595 y4bbc w346 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Mir<span class=\"_ _0\"></span>abadski District,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbc w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bbc w347 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/8/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x596 y4bbc w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x597 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C**<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4e6 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">81-38, T<span class=\"_ _d\"></span>ashkent<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bbe w348 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Deliver<span class=\"_ _2\"></span>y***<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x598 y4bbe w349 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">81.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x599 y4bbe w34a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59a y4bbe w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59b y4bbe w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59c y4bbe w34b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">6 A. Andronikashvili<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbe w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59d y4bbe w225 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/12<span class=\"_ _2\"></span>/2017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59e y4bbe w34c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/11/2022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bbf ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street II Dead End, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc0 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bc1 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4bc1 w34d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">El. <span class=\"_ _4b\"> </span>Biletebi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4bc1 w34e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">83.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a0 y4bc1 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a1 y4bc1 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a2 y4bc1 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a3 y4bc1 w34f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Aleksandre Kazbegi,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc1 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a4 y4bc1 w350 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">11/12/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a5 y4bc1 w351 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>/9/2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5a6 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">N29<span class=\"_ _0\"></span>, apartment N6, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc3 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bc4 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> Ticketing <span class=\"_ _4b\"> </span>Area </td><td></td><td class=\"c n x509 y4bc5 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bc5 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bc5 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4bc5 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a7 y4bc5 w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Stree<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc5 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a8 y4bc5 w352 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6/7<span class=\"_ _d\"></span>/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a9 y4bc5 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C*****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bc7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5aa y4bc7 w353 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Solo, LL<span class=\"_ _d\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ab y4bc7 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ac y4bc7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ad y4bc7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ae y4bc7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5af y4bc7 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b0 y4bc7 w354 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b1 y4bc7 w355 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/<span class=\"_ _0\"></span>4/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b2 y4bc7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bc8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bc9 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bc9 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bca ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>United </td><td></td><td></td><td class=\"c n x509 y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcb w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcb w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b3 y4bcb w356 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b4 y4bcb w357 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Registr<span class=\"_ _0\"></span>ar<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b5 y4bcb w358 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b6 y4bcb w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bcc ff2 fs1 fc1 sc0 ls0 wsf3\" colspan=\"2\">Securities Registrar<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bcc ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x507 h4 y4bcd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">of Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bce ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Express </td><td></td><td></td><td class=\"c n x509 y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcf w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcf w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b8 y4bcf w359 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1b, Budapest<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4bcf w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b9 y4bcf w35a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/200<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ba y4bcf w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>echnologies<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Street, Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4bd1 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Georgian </td><td></td><td class=\"c n x5bb y4bd2 w35b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _2\"></span>9.<span class=\"_ _39\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bc y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bd y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5be y4bd2 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bf y4bd2 w35d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c0 y4bd2 w35e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nutsubidze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ac y4bd2 w35f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Card pr<span class=\"_ _0\"></span>ocessing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c1 y4bd2 w360 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/1/<span class=\"_ _2\"></span>1997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c2 y4bd2 w361 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">20/10/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4bd3 ff2 fs1 fc1 sc0 ls51 ws97\">Card<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bd3 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0168<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4bd4 w362 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Direct <span class=\"_ _4b\"> </span>Debit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4bd4 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd4 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd4 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c3 y4bd4 w363 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Lux<span class=\"_ _0\"></span>emburg 25,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x565 h4 y4bd5 ff2 fs1 fc1 sc0 ls0 ws0\">Electronic </td><td class=\"c n x5c4 y4bd4 w364 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c5 y4bd4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Georgia, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">payment </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5c6 h4 y4bd7 ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>LLC Didi Digomi </td><td></td><td class=\"c n x509 y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd9 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd9 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c7 y4bd9 w365 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">80-82<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x48b h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\">Communication </td><td class=\"c n x563 y4bd9 w366 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/<span class=\"_ _0\"></span>4/2007<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c8 y4bd9 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Resear<span class=\"_ _0\"></span>ch Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4eb h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">D.Agmashenebeli </td><td class=\"t m1 x5c6 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bdb ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0102<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>Metro Service +, </td><td></td><td class=\"c n x509 y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bdd w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bdd w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5b3 y4bdd w356 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\">Business </td><td class=\"c n x4e8 y4bdd w367 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c9 y4bdd w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bde ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bde ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bde ff2 fs1 fc1 sc0 ls0 ws0\">servicing<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4bdf ff2 fs1 fc1 sc0 ls0 ws0\">Premium Complianc<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td class=\"c n x509 y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4be0 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4be0 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ca y4be0 w368 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Kazbegi Str<span class=\"_ _0\"></span>eet 3-5,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4be0 w369 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>arious<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cb y4be0 w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/2/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cc y4be0 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _0\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"gs95\"><table class=\"s w36a h108\" id=\"_9a79d066-6c1c-436b-881a-ad22629d4700\"><tr><td></td><td class=\"t m1 x5cd h77 y4be2 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and ordinary share </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x5ce h77 y4be3 ffb fs1d fc1 sc0 ls0 ws0\">capital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x4d5 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td class=\"t m1 x48f h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h77 y4be5 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4da h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4be6 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4be7 w2d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4de y4be7 w2d4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4be7 w2d5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4be8 w36b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC Credit in<span class=\"_ _0\"></span>fo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cf y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d0 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d1 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d2 y4be8 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d3 y4be8 w36d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">2 T<span class=\"_ _d\"></span>arkhnishvili<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4be9 ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x563 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d4 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5d5 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4beb ff2 fs1 fc1 sc0 ls0 ws87\">JSC Tbilisi Stock </td><td class=\"c n x540 y4be0 w36e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">24<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d7 y4be0 w36f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d8 y4be0 w370 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d9 y4be0 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5da y4be0 w371 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">72 Vazha-P<span class=\"_ _0\"></span>shavela<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4beb ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x5db y4be0 w372 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5dc y4be0 w373 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/12/2016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">Exchange<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5dd h4 y4bec ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs96\">* <span class=\"_ _299\"> </span>JSC BG Financial established a new company \u2013 LL<span class=\"_ _0\"></span>C Galt and T<span class=\"_ _d\"></span>aggart SPV 2 on 22 September 2023 and has increased its c<span class=\"_ _0\"></span>apital by GEL<span class=\"_ _0\"></span> 304,900.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs97\">** <span class=\"_ _105\"> </span>OPTIMO, FE LLC <span class=\"_ _0\"></span>was established on 31 August 2023, in the R<span class=\"_ _0\"></span>epublic of Uzbekistan. Authorised capital amounts to 1,224,<span class=\"_ _d\"></span>150,000 UZS, which is equivalent to 264,874 GEL.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs98\">*** <span class=\"_ _4b\"> </span>JSC Digital Area inve<span class=\"_ _0\"></span>sted US$ 1,<span class=\"_ _0\"></span>108,535 in JSC Delivery in 2023 and owns an 81.38% stak<span class=\"_ _0\"></span>e. </div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs99\">**** <span class=\"_ _d\"></span>JSC Digital Ar<span class=\"_ _0\"></span>ea bought 83.34% worth of shares in El. Biletebi LL<span class=\"_ _0\"></span>C in 2023 and total investmen<span class=\"_ _0\"></span>t amounts to GEL 1,200,<span class=\"_ _0\"></span>000.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs9a\">***** <span class=\"_ _d\"></span>JSC Digital Area established a new c<span class=\"_ _0\"></span>ompany<span class=\"_ _0\"></span>, LLC <span class=\"_ _0\"></span>Ticketing Ar<span class=\"_ _0\"></span>ea, on 6 July 20<span class=\"_ _0\"></span>23 and has increased its capital by<span class=\"_ _0\"></span> GEL 1,000,<span class=\"_ _0\"></span>000.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-753": {
   "value": "General<span class=\"_ _3e0\"> </span>In accor<span class=\"_ _0\"></span>dance with the ex<span class=\"_ _0\"></span>emption permitted under section 408 of <span class=\"_ _0\"></span>the Companies Act 2006, the separ<span class=\"_ _0\"></span>ate income statement of BOGG is not pr<span class=\"_ _0\"></span>esented as part of these financial statements. BOGG\u2019<span class=\"_ _d\"></span>s income f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear is disclosed within the separat<span class=\"_ _0\"></span>e statement of <span class=\"_ _0\"></span>financial position and the separate statement o<span class=\"_ _0\"></span>f changes in equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>The financial statements of<span class=\"_ _0\"></span> Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC ar<span class=\"_ _0\"></span>e prepar<span class=\"_ _0\"></span>ed in accordance <span class=\"_ _0\"></span>with international accounting standar<span class=\"_ _0\"></span>ds in conf<span class=\"_ _0\"></span>ormity with the r<span class=\"_ _0\"></span>equirements of<span class=\"_ _0\"></span> the Companies Act 2006 and pr<span class=\"_ _0\"></span>epared in accor<span class=\"_ _0\"></span>dance with UK<span class=\"_ _d\"></span>-adopted international accounting standar<span class=\"_ _0\"></span>ds as at 31 December 2023.<span class=\"_ _3e0\"> </span>These financial statements ar<span class=\"_ _0\"></span>e prepar<span class=\"_ _0\"></span>ed under the historical cost c<span class=\"_ _0\"></span>onvention ex<span class=\"_ _0\"></span>cept f<span class=\"_ _0\"></span>or:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the measurement at f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> financial assets and investment securities, deriv<span class=\"_ _0\"></span>ative financial assets and liabilities and investment pr<span class=\"_ _0\"></span>operties;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the measurement of in<span class=\"_ _0\"></span>ventories at lower o<span class=\"_ _0\"></span>f cost and net realisable <span class=\"_ _0\"></span>value; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the measurement of non-curr<span class=\"_ _0\"></span>ent assets classified as held f<span class=\"_ _0\"></span>or sale at lower of<span class=\"_ _0\"></span> cost and fair<span class=\"_ _0\"></span> value less costs to sell.<span class=\"_ _3e0\"> </span>The financial statements ar<span class=\"_ _0\"></span>e presented in <span class=\"_ _0\"></span>thousands of Georgian Lari (<span class=\"_ _0\"></span>GEL), exc<span class=\"_ _0\"></span>ept per-share amounts and unless otherwise<span class=\"_ gs7d\"> </span>indicated. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-798": {
   "value": "The financial statements of<span class=\"_ _0\"></span> Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC ar<span class=\"_ _0\"></span>e prepar<span class=\"_ _0\"></span>ed in accordance <span class=\"_ _0\"></span>with international accounting standar<span class=\"_ _0\"></span>ds in conf<span class=\"_ _0\"></span>ormity with the r<span class=\"_ _0\"></span>equirements of<span class=\"_ _0\"></span> the Companies Act 2006 and pr<span class=\"_ _0\"></span>epared in accor<span class=\"_ _0\"></span>dance with UK<span class=\"_ _d\"></span>-adopted international accounting standar<span class=\"_ _0\"></span>ds as at 31 December 2023.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-754": {
   "value": "Going concern<span class=\"_ _3e0\"> </span>In adopting the going concern basis <span class=\"_ _0\"></span>for pr<span class=\"_ _0\"></span>eparing the consolidated financial statemen<span class=\"_ _0\"></span>ts, the Directors have c<span class=\"_ _0\"></span>onsidered the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s business activities, objectives and strategy<span class=\"_ _d\"></span>, principal risks and uncertainties in achieving its objectives, and perf<span class=\"_ _0\"></span>ormance. The Directors hav<span class=\"_ _0\"></span>e performed a robust assessment of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial for<span class=\"_ _0\"></span>ecasts across a r<span class=\"_ _0\"></span>ange of scenarios ov<span class=\"_ _0\"></span>er 12 months fr<span class=\"_ _0\"></span>om the date the financial statemen<span class=\"_ _0\"></span>ts are authorised f<span class=\"_ _0\"></span>or issue, by<span class=\"_ _0\"></span> carrying out stress testing, incorpor<span class=\"_ _0\"></span>ating extr<span class=\"_ _0\"></span>eme downside scenario and rev<span class=\"_ _0\"></span>erse stress testing, <span class=\"_ _0\"></span>which involved e<span class=\"_ _0\"></span>xamining the level o<span class=\"_ _0\"></span>f disruption that may c<span class=\"_ _0\"></span>ause the Group to <span class=\"_ _0\"></span>fail. Based on this, the Directors c<span class=\"_ _0\"></span>onfirm that the<span class=\"_ _0\"></span>y have a r<span class=\"_ _0\"></span>easonable expectation that the Compan<span class=\"_ _0\"></span>y and the Gr<span class=\"_ _0\"></span>oup, as a whole, have adequate r<span class=\"_ _0\"></span>esources to continue in oper<span class=\"_ _0\"></span>ational existence f<span class=\"_ _0\"></span>or the 12-mon<span class=\"_ _0\"></span>ths from <span class=\"_ _0\"></span>the date the financial statements ar<span class=\"_ _0\"></span>e authorised for issue<span class=\"_ _0\"></span>. Furthermore, management is not awar<span class=\"_ _0\"></span>e of any<span class=\"_ _0\"></span> material uncertainties that may c<span class=\"_ _0\"></span>ast significant doubt upon the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s abilit<span class=\"_ _2\"></span>y to c<span class=\"_ _0\"></span>ontinue as a going concern f<span class=\"_ _0\"></span>or the f<span class=\"_ _0\"></span>oreseeable f<span class=\"_ _0\"></span>uture. <span class=\"_ _0\"></span>Theref<span class=\"_ _0\"></span>ore, the <span class=\"_ _0\"></span>financial statements continue to be pr<span class=\"_ _0\"></span>epared on the going conc<span class=\"_ _0\"></span>ern basis.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-824": {
   "value": "Subsidiaries and associates<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts as at 31 December 2023, 31 December 20<span class=\"_ _0\"></span>22 and 31 December 2021 include the f<span class=\"_ _0\"></span>ollowing subsidiaries and associates: <table class=\"s w2d2 h102\" id=\"_5d98be06-8b32-4e26-bd84-b13306fba561\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4b50 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4b51 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4b53 ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4b54 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4b55 w2d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4b55 w2d4 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4b55 w2d5 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b57 w2d6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">BGEO Group Limited<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4e2 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e3 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e4 y4b57 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e5 y4b57 w2d9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x4e7 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">Holding </td><td class=\"c n x4e8 y4b57 w2da h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/10/2011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e9 y4b57 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b59 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4ec h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Company<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b5a w2dc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC BGEO Group<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4ed y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ee y4b5a w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ef y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f0 y4b5a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4f1 y4b5a w2df h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a Gagarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b5a w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f3 y4b5a w2e1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f4 y4b5a w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b5b ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b5c w2e3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Idea<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4f6 y4b5c w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f7 y4b5c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f8 y4b5c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f9 y4b5c w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4fa y4b5c w2e4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Street,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fb y4b5c w2e5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fc y4b5c w2e6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">26/12/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fd y4b5c w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4b5d ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4b5e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Bank of </td><td></td><td></td><td></td><td class=\"c n x4ff y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x500 y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x501 y4b5f wc1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x502 y4b5f w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x503 y4b5f w2e9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a G<span class=\"_ _2\"></span>agarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b5f w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x505 y4b5f w2eb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/10/1994<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x506 y4b5f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x507 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b62 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50c y4b62 w2ec h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x50d h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x50e y4b62 w2ed h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/8/2010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50f y4b62 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b63 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">Office UK<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b65 ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _4a\"></span>T<span class=\"_ _d\"></span>ree of Life </td><td></td><td></td><td></td><td class=\"c n x509 y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b67 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b67 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x512 y4b67 w2ef h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x513 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">Charitable </td><td class=\"c n x514 y4b67 w2f0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/8/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x515 y4b67 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Foundation </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x516 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi 0105<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b69 ff2 fs1 fc1 sc0 ls0 ws0\">NPO (formerly<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6a ff2 fs1 fc1 sc0 ls0 ws0\">known as Bank of </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6b ff2 fs1 fc1 sc0 ls0 ws0\">Georgia Futur<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6c ff2 fs1 fc1 sc0 ls0 ws0\">Foundation, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6d ff2 fs1 fc1 sc0 ls1d ws3b\">NPO)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b6f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x518 y4b6f w2f1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Hungar<span class=\"_ _2\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x519 y4b6f w2f2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51a y4b6f w2f3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Budapest,</div></td><td class=\"t m1 x51b h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b6f w2f4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">18/<span class=\"_ _0\"></span>6/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51c y4b6f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">Szabads\u00e1g t\u00e9r<span class=\"_ _0\"></span> 7; </td><td class=\"t m1 x51e h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\">Office Hungary<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51f h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Bank Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b72 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b72 w2f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">R<span class=\"_ _0\"></span>epresentative<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b72 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x521 y4b72 w2f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>urke<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x522 y4b72 w2f8 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">S\u00fcleyman Seba</div></td><td class=\"t m1 x51b h4 y4b73 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b72 w260 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x523 y4b72 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b74 ff2 fs1 fc1 sc0 ls0 wsf2\">Office of JSC </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Caddesi No:48 </td><td class=\"t m1 x51e h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\">Bank of Georgia </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">A Blok Dair<span class=\"_ _0\"></span>e 82 </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws87\">in T<span class=\"_ _d\"></span>urkey </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Akar<span class=\"_ _0\"></span>etler Be\u015fikta\u015f </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x527 y4b77 w2f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">34357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x528 y4b77 w2fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Istanbul<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b78 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b78 w2fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gia <span class=\"_ _4b\"> </span>Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b78 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x529 y4b78 w2fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Isr<span class=\"_ _0\"></span>ael<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52a y4b78 w2fd h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7 Menahem Begin,</div></td><td class=\"t m1 x50d h4 y4b79 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x52b y4b78 w2fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>/2/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52c y4b78 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">Investments, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x52d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Ramat Gan 52681<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b7b ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b7c w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b7c w2ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Benderlock<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b7c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b7c w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b7c w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b7c w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x531 y4b7c w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">12/5/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x532 y4b7c w304 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">13/10/2009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws0\">Investments </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7f ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4b80 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4b80 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x535 h4 y4b81 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Belarusky </td><td></td><td class=\"c n x4ff y4b82 w307 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x536 y4b82 w308 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x537 y4b82 w309 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x538 y4b82 w30a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x539 y4b82 w30b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b82 w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53a y4b82 w30c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">16/4/1992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53b y4b82 w30d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _0\"></span>6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\">Narodny<span class=\"_ _0\"></span> Bank<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, Minsk, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x53d h4 y4b84 ff2 fs1 fc1 sc0 ls0 ws0\">220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b85 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b85 w30f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">BNB <span class=\"_ _4b\"> </span>Leasing,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4b85 w310 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x541 y4b85 w311 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x542 y4b85 w312 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x543 y4b85 w313 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x544 y4b85 w314 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b85 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x546 y4b85 w316 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">30/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x547 y4b85 w317 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4b86 ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b86 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, room </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b87 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">3, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b88 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4b88 w318 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gian <span class=\"_ _4b\"> </span>Leasing<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b88 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b88 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54a y4b88 w319 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3-5 Kazbegi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b88 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54b y4b88 w31a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/2001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54c y4b88 w31b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/<span class=\"_ _2\"></span>12/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Company<span class=\"_ _d\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x54d h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street,<span class=\"_ _5\"></span>Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x54e y4b8a w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54f y4b8a w31c h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Prime Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x550 y4b8a w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x551 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x552 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x553 y4b8a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x554 y4b8a w31d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Didube-Chughur<span class=\"_ _0\"></span>eti<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b8a w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x555 y4b8a w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>/1/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x556 y4b8a w31f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/1/2015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8b ff2 fs1 fc1 sc0 ls0 ws20\" colspan=\"2\">district, Ak<span class=\"_ _2\"></span>. T<span class=\"_ _0\"></span>sereteli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8c ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue \u2116114, Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b8d w320 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC BG Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x558 y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x559 y4b8d w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55a y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55b y4b8d w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x55c y4b8d w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b8d w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55d y4b8d w322 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/8/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55e y4b8d w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b8e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b8f w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b8f w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Galt &amp; </td><td></td><td class=\"c n x509 y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b91 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b91 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4b91 w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x562 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage </td><td class=\"c n x563 y4b91 w325 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>/12<span class=\"_ _2\"></span>/1995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x564 y4b91 w326 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/200<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td class=\"t m1 x565 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\">and asset </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b93 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b93 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi</div></td><td class=\"t m1 x566 h4 y4b94 ff2 fs1 fc1 sc0 ls0 ws0\">management<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b95 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b95 w327 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Branch<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b95 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x567 y4b95 w328 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Azerbaijan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x568 y4b95 w329 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1C Mikayil Mushvig,</div></td><td class=\"t m1 x51b h4 y4b96 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b95 w32a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x569 y4b95 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office of \u2018BG </td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Kempinski Hot<span class=\"_ _0\"></span>el </td><td class=\"t m1 x51e h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b98 ff2 fs1 fc1 sc0 ls0 wsf2\" colspan=\"2\">Kapital\u2019 JSC </td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h4 y4b98 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Badamdar<span class=\"_ _d\"></span>, 6th </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws77\" colspan=\"2\">in Azerbaijan<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws29\" colspan=\"2\">floor<span class=\"_ _d\"></span>, Y<span class=\"_ _0\"></span>asamal. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x56b y4b9a w32b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">AZ1006,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56c y4b9a w32c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Baku<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9b w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9b w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9b w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4b9b w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4b9b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4b9b w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x570 y4b9b w330 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Krtsanisi district<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x51b h4 y4b9c ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b9b w331 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/9/20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x571 y4b9b w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart SPV </td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Pushkin street N3, </td><td class=\"t m1 x51e h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">2 LL<span class=\"_ _0\"></span>C*<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9f w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9f w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b9f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b9f w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b9f w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b9f w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x573 y4b9f w332 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x574 y4b9f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Holdings </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4ba3 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4ba3 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4ba5 w30e h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4ba5 w333 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">BG <span class=\"_ _4b\"> </span>Capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4ba5 w2dd h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x575 y4ba5 w313 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x576 y4ba5 w334 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">5A-<span class=\"_ _0\"></span>3\u041d, K.Chornogo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x577 y4ba5 w335 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x578 y4ba5 w268 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">19/2/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x579 y4ba5 w2db h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">(Belarus), </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">lane, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4ba7 ff2 fs1 fc1 sc0 ls0 ws0\">LL<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w336 h106\" id=\"_5767dd58-38d0-459c-aa06-bead13280b02\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4ba8 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4ba9 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4bab ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4bac ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4bad w2d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4bad w2d4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4bad w2d5 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x422 h4 y4bae ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Digital <span class=\"_ _4b\"> </span>Area </td><td></td><td></td><td></td><td class=\"c n x509 y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bb0 w2dd h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bb0 w2ee h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4bb0 w321 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb0 w337 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57b y4bb0 w338 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">8/6/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57c y4bb0 w2db h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 wsf2\">(former JS<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 ws0\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb2 ff2 fs1 fc1 sc0 ls0 ws0\">Polymath Gr<span class=\"_ _0\"></span>oup)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb3 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb3 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb4 w339 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Extra area<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x57d y4bb4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57e y4bb4 w33a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57f y4bb4 w33b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">98.68%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x580 y4bb4 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x581 y4bb4 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb4 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bb4 w33d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/5/2019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x583 y4bb4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb5 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb6 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb6 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x584 y4bb7 w33e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Easy<span class=\"_ _0\"></span> Box LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x585 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x586 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x587 y4bb7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x588 y4bb7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x589 y4bb7 w33f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58a y4bb7 w340 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransportation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58b y4bb7 w341 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/12/2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58c y4bb7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bb8 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bb9 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Optimo </td><td></td><td class=\"c n x509 y4bba w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bba w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58d y4bba w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58e y4bba w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58f y4bba w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bba w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x590 y4bba w343 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/<span class=\"_ _2\"></span>11/2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x591 y4bba w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Global<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x592 y4bbc w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x593 y4bbc w344 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">OPTIMO, <span class=\"_ _4b\"> </span>FE<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4bbc w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bbc w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bbc w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x594 y4bbc w345 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Uzbekistan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x595 y4bbc w346 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Mir<span class=\"_ _0\"></span>abadski District,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbc w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bbc w347 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/8/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x596 y4bbc w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x597 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C**<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4e6 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">81-38, T<span class=\"_ _d\"></span>ashkent<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bbe w348 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Deliver<span class=\"_ _2\"></span>y***<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x598 y4bbe w349 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">81.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x599 y4bbe w34a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59a y4bbe w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59b y4bbe w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59c y4bbe w34b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">6 A. Andronikashvili<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbe w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59d y4bbe w225 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/12<span class=\"_ _2\"></span>/2017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59e y4bbe w34c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/11/2022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bbf ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street II Dead End, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc0 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bc1 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4bc1 w34d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">El. <span class=\"_ _4b\"> </span>Biletebi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4bc1 w34e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">83.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a0 y4bc1 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a1 y4bc1 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a2 y4bc1 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a3 y4bc1 w34f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Aleksandre Kazbegi,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc1 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a4 y4bc1 w350 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">11/12/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a5 y4bc1 w351 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>/9/2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5a6 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">N29<span class=\"_ _0\"></span>, apartment N6, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc3 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bc4 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> Ticketing <span class=\"_ _4b\"> </span>Area </td><td></td><td class=\"c n x509 y4bc5 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bc5 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bc5 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4bc5 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a7 y4bc5 w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Stree<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc5 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a8 y4bc5 w352 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6/7<span class=\"_ _d\"></span>/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a9 y4bc5 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C*****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bc7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5aa y4bc7 w353 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Solo, LL<span class=\"_ _d\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ab y4bc7 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ac y4bc7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ad y4bc7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ae y4bc7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5af y4bc7 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b0 y4bc7 w354 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b1 y4bc7 w355 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/<span class=\"_ _0\"></span>4/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b2 y4bc7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bc8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bc9 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bc9 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bca ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>United </td><td></td><td></td><td class=\"c n x509 y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcb w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcb w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b3 y4bcb w356 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b4 y4bcb w357 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Registr<span class=\"_ _0\"></span>ar<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b5 y4bcb w358 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b6 y4bcb w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bcc ff2 fs1 fc1 sc0 ls0 wsf3\" colspan=\"2\">Securities Registrar<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bcc ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x507 h4 y4bcd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">of Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bce ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Express </td><td></td><td></td><td class=\"c n x509 y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcf w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcf w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b8 y4bcf w359 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1b, Budapest<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4bcf w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b9 y4bcf w35a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/200<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ba y4bcf w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>echnologies<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Street, Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4bd1 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Georgian </td><td></td><td class=\"c n x5bb y4bd2 w35b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _2\"></span>9.<span class=\"_ _39\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bc y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bd y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5be y4bd2 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bf y4bd2 w35d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c0 y4bd2 w35e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nutsubidze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ac y4bd2 w35f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Card pr<span class=\"_ _0\"></span>ocessing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c1 y4bd2 w360 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/1/<span class=\"_ _2\"></span>1997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c2 y4bd2 w361 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">20/10/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4bd3 ff2 fs1 fc1 sc0 ls51 ws97\">Card<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bd3 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0168<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4bd4 w362 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Direct <span class=\"_ _4b\"> </span>Debit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4bd4 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd4 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd4 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c3 y4bd4 w363 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Lux<span class=\"_ _0\"></span>emburg 25,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x565 h4 y4bd5 ff2 fs1 fc1 sc0 ls0 ws0\">Electronic </td><td class=\"c n x5c4 y4bd4 w364 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c5 y4bd4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Georgia, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">payment </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5c6 h4 y4bd7 ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>LLC Didi Digomi </td><td></td><td class=\"c n x509 y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd9 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd9 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c7 y4bd9 w365 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">80-82<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x48b h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\">Communication </td><td class=\"c n x563 y4bd9 w366 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/<span class=\"_ _0\"></span>4/2007<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c8 y4bd9 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Resear<span class=\"_ _0\"></span>ch Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4eb h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">D.Agmashenebeli </td><td class=\"t m1 x5c6 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bdb ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0102<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>Metro Service +, </td><td></td><td class=\"c n x509 y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bdd w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bdd w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5b3 y4bdd w356 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\">Business </td><td class=\"c n x4e8 y4bdd w367 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c9 y4bdd w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bde ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bde ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bde ff2 fs1 fc1 sc0 ls0 ws0\">servicing<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4bdf ff2 fs1 fc1 sc0 ls0 ws0\">Premium Complianc<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td class=\"c n x509 y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4be0 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4be0 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ca y4be0 w368 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Kazbegi Str<span class=\"_ _0\"></span>eet 3-5,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4be0 w369 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>arious<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cb y4be0 w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/2/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cc y4be0 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _0\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table><table class=\"s w36a h108\" id=\"_9a79d066-6c1c-436b-881a-ad22629d4700\"><tr><td></td><td class=\"t m1 x5cd h77 y4be2 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and ordinary share </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x5ce h77 y4be3 ffb fs1d fc1 sc0 ls0 ws0\">capital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x4d5 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td class=\"t m1 x48f h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h77 y4be5 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4da h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4be6 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4be7 w2d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4de y4be7 w2d4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4be7 w2d5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4be8 w36b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC Credit in<span class=\"_ _0\"></span>fo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cf y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d0 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d1 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d2 y4be8 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d3 y4be8 w36d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">2 T<span class=\"_ _d\"></span>arkhnishvili<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4be9 ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x563 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d4 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5d5 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4beb ff2 fs1 fc1 sc0 ls0 ws87\">JSC Tbilisi Stock </td><td class=\"c n x540 y4be0 w36e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">24<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d7 y4be0 w36f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d8 y4be0 w370 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d9 y4be0 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5da y4be0 w371 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">72 Vazha-P<span class=\"_ _0\"></span>shavela<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4beb ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x5db y4be0 w372 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5dc y4be0 w373 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/12/2016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">Exchange<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5dd h4 y4bec ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>JSC BG Financial established a new company \u2013 LL<span class=\"_ _0\"></span>C Galt and T<span class=\"_ _d\"></span>aggart SPV 2 on 22 September 2023 and has increased its c<span class=\"_ _0\"></span>apital by GEL<span class=\"_ _0\"></span> 304,900.<span class=\"_ _3e0\"> </span>** <span class=\"_ _105\"> </span>OPTIMO, FE LLC <span class=\"_ _0\"></span>was established on 31 August 2023, in the R<span class=\"_ _0\"></span>epublic of Uzbekistan. Authorised capital amounts to 1,224,<span class=\"_ _d\"></span>150,000 UZS, which is equivalent to 264,874 GEL.<span class=\"_ _3e0\"> </span>*** <span class=\"_ _4b\"> </span>JSC Digital Area inve<span class=\"_ _0\"></span>sted US$ 1,<span class=\"_ _0\"></span>108,535 in JSC Delivery in 2023 and owns an 81.38% stak<span class=\"_ _0\"></span>e. **** <span class=\"_ _d\"></span>JSC Digital Ar<span class=\"_ _0\"></span>ea bought 83.34% worth of shares in El. Biletebi LL<span class=\"_ _0\"></span>C in 2023 and total investmen<span class=\"_ _0\"></span>t amounts to GEL 1,200,<span class=\"_ _0\"></span>000.<span class=\"_ _3e0\"> </span>***** <span class=\"_ _d\"></span>JSC Digital Area established a new c<span class=\"_ _0\"></span>ompany<span class=\"_ _0\"></span>, LLC <span class=\"_ _0\"></span>Ticketing Ar<span class=\"_ _0\"></span>ea, on 6 July 20<span class=\"_ _0\"></span>23 and has increased its capital by<span class=\"_ _0\"></span> GEL 1,000,<span class=\"_ _0\"></span>000.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-814": {
   "value": "Subsidiaries and associates<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts as at 31 December 2023, 31 December 20<span class=\"_ _0\"></span>22 and 31 December 2021 include the f<span class=\"_ _0\"></span>ollowing subsidiaries and associates: <table class=\"s w2d2 h102\" id=\"_5d98be06-8b32-4e26-bd84-b13306fba561\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4b50 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4b51 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4b53 ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4b54 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4b55 w2d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4b55 w2d4 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4b55 w2d5 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b57 w2d6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">BGEO Group Limited<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4e2 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e3 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e4 y4b57 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e5 y4b57 w2d9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x4e7 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">Holding </td><td class=\"c n x4e8 y4b57 w2da h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/10/2011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e9 y4b57 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b59 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4ec h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Company<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b5a w2dc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC BGEO Group<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4ed y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ee y4b5a w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ef y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f0 y4b5a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4f1 y4b5a w2df h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a Gagarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b5a w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f3 y4b5a w2e1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f4 y4b5a w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b5b ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b5c w2e3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Idea<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4f6 y4b5c w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f7 y4b5c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f8 y4b5c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f9 y4b5c w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4fa y4b5c w2e4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Street,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fb y4b5c w2e5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fc y4b5c w2e6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">26/12/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fd y4b5c w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4b5d ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4b5e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Bank of </td><td></td><td></td><td></td><td class=\"c n x4ff y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x500 y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x501 y4b5f wc1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x502 y4b5f w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x503 y4b5f w2e9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a G<span class=\"_ _2\"></span>agarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b5f w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x505 y4b5f w2eb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/10/1994<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x506 y4b5f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x507 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b62 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50c y4b62 w2ec h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x50d h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x50e y4b62 w2ed h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/8/2010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50f y4b62 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b63 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">Office UK<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b65 ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _4a\"></span>T<span class=\"_ _d\"></span>ree of Life </td><td></td><td></td><td></td><td class=\"c n x509 y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b67 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b67 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x512 y4b67 w2ef h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x513 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">Charitable </td><td class=\"c n x514 y4b67 w2f0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/8/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x515 y4b67 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Foundation </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x516 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi 0105<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b69 ff2 fs1 fc1 sc0 ls0 ws0\">NPO (formerly<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6a ff2 fs1 fc1 sc0 ls0 ws0\">known as Bank of </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6b ff2 fs1 fc1 sc0 ls0 ws0\">Georgia Futur<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6c ff2 fs1 fc1 sc0 ls0 ws0\">Foundation, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6d ff2 fs1 fc1 sc0 ls1d ws3b\">NPO)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b6f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x518 y4b6f w2f1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Hungar<span class=\"_ _2\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x519 y4b6f w2f2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51a y4b6f w2f3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Budapest,</div></td><td class=\"t m1 x51b h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b6f w2f4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">18/<span class=\"_ _0\"></span>6/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51c y4b6f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">Szabads\u00e1g t\u00e9r<span class=\"_ _0\"></span> 7; </td><td class=\"t m1 x51e h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\">Office Hungary<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51f h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Bank Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b72 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b72 w2f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">R<span class=\"_ _0\"></span>epresentative<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b72 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x521 y4b72 w2f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>urke<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x522 y4b72 w2f8 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">S\u00fcleyman Seba</div></td><td class=\"t m1 x51b h4 y4b73 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b72 w260 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x523 y4b72 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b74 ff2 fs1 fc1 sc0 ls0 wsf2\">Office of JSC </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Caddesi No:48 </td><td class=\"t m1 x51e h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\">Bank of Georgia </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">A Blok Dair<span class=\"_ _0\"></span>e 82 </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws87\">in T<span class=\"_ _d\"></span>urkey </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Akar<span class=\"_ _0\"></span>etler Be\u015fikta\u015f </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x527 y4b77 w2f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">34357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x528 y4b77 w2fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Istanbul<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b78 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b78 w2fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gia <span class=\"_ _4b\"> </span>Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b78 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x529 y4b78 w2fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Isr<span class=\"_ _0\"></span>ael<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52a y4b78 w2fd h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7 Menahem Begin,</div></td><td class=\"t m1 x50d h4 y4b79 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x52b y4b78 w2fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>/2/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52c y4b78 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">Investments, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x52d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Ramat Gan 52681<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b7b ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b7c w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b7c w2ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Benderlock<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b7c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b7c w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b7c w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b7c w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x531 y4b7c w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">12/5/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x532 y4b7c w304 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">13/10/2009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws0\">Investments </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7f ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4b80 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4b80 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x535 h4 y4b81 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Belarusky </td><td></td><td class=\"c n x4ff y4b82 w307 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x536 y4b82 w308 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x537 y4b82 w309 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x538 y4b82 w30a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x539 y4b82 w30b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b82 w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53a y4b82 w30c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">16/4/1992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53b y4b82 w30d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _0\"></span>6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\">Narodny<span class=\"_ _0\"></span> Bank<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, Minsk, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x53d h4 y4b84 ff2 fs1 fc1 sc0 ls0 ws0\">220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b85 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b85 w30f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">BNB <span class=\"_ _4b\"> </span>Leasing,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4b85 w310 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x541 y4b85 w311 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x542 y4b85 w312 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x543 y4b85 w313 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x544 y4b85 w314 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b85 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x546 y4b85 w316 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">30/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x547 y4b85 w317 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4b86 ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b86 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, room </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b87 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">3, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b88 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4b88 w318 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gian <span class=\"_ _4b\"> </span>Leasing<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b88 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b88 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54a y4b88 w319 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3-5 Kazbegi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b88 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54b y4b88 w31a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/2001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54c y4b88 w31b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/<span class=\"_ _2\"></span>12/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Company<span class=\"_ _d\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x54d h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street,<span class=\"_ _5\"></span>Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x54e y4b8a w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54f y4b8a w31c h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Prime Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x550 y4b8a w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x551 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x552 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x553 y4b8a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x554 y4b8a w31d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Didube-Chughur<span class=\"_ _0\"></span>eti<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b8a w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x555 y4b8a w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>/1/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x556 y4b8a w31f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/1/2015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8b ff2 fs1 fc1 sc0 ls0 ws20\" colspan=\"2\">district, Ak<span class=\"_ _2\"></span>. T<span class=\"_ _0\"></span>sereteli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8c ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue \u2116114, Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b8d w320 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC BG Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x558 y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x559 y4b8d w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55a y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55b y4b8d w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x55c y4b8d w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b8d w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55d y4b8d w322 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/8/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55e y4b8d w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b8e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b8f w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b8f w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Galt &amp; </td><td></td><td class=\"c n x509 y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b91 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b91 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4b91 w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x562 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage </td><td class=\"c n x563 y4b91 w325 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>/12<span class=\"_ _2\"></span>/1995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x564 y4b91 w326 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/200<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td class=\"t m1 x565 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\">and asset </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b93 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b93 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi</div></td><td class=\"t m1 x566 h4 y4b94 ff2 fs1 fc1 sc0 ls0 ws0\">management<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b95 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b95 w327 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Branch<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b95 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x567 y4b95 w328 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Azerbaijan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x568 y4b95 w329 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1C Mikayil Mushvig,</div></td><td class=\"t m1 x51b h4 y4b96 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b95 w32a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x569 y4b95 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office of \u2018BG </td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Kempinski Hot<span class=\"_ _0\"></span>el </td><td class=\"t m1 x51e h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b98 ff2 fs1 fc1 sc0 ls0 wsf2\" colspan=\"2\">Kapital\u2019 JSC </td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h4 y4b98 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Badamdar<span class=\"_ _d\"></span>, 6th </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws77\" colspan=\"2\">in Azerbaijan<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws29\" colspan=\"2\">floor<span class=\"_ _d\"></span>, Y<span class=\"_ _0\"></span>asamal. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x56b y4b9a w32b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">AZ1006,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56c y4b9a w32c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Baku<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9b w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9b w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9b w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4b9b w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4b9b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4b9b w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x570 y4b9b w330 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Krtsanisi district<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x51b h4 y4b9c ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b9b w331 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/9/20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x571 y4b9b w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart SPV </td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Pushkin street N3, </td><td class=\"t m1 x51e h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">2 LL<span class=\"_ _0\"></span>C*<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9f w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9f w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b9f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b9f w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b9f w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b9f w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x573 y4b9f w332 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x574 y4b9f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Holdings </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4ba3 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4ba3 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4ba5 w30e h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4ba5 w333 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">BG <span class=\"_ _4b\"> </span>Capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4ba5 w2dd h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x575 y4ba5 w313 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x576 y4ba5 w334 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">5A-<span class=\"_ _0\"></span>3\u041d, K.Chornogo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x577 y4ba5 w335 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x578 y4ba5 w268 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">19/2/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x579 y4ba5 w2db h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">(Belarus), </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">lane, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4ba7 ff2 fs1 fc1 sc0 ls0 ws0\">LL<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w336 h106\" id=\"_5767dd58-38d0-459c-aa06-bead13280b02\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4ba8 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4ba9 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4bab ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4bac ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4bad w2d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4bad w2d4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4bad w2d5 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x422 h4 y4bae ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Digital <span class=\"_ _4b\"> </span>Area </td><td></td><td></td><td></td><td class=\"c n x509 y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bb0 w2dd h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bb0 w2ee h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4bb0 w321 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb0 w337 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57b y4bb0 w338 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">8/6/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57c y4bb0 w2db h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 wsf2\">(former JS<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 ws0\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb2 ff2 fs1 fc1 sc0 ls0 ws0\">Polymath Gr<span class=\"_ _0\"></span>oup)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb3 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb3 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb4 w339 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Extra area<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x57d y4bb4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57e y4bb4 w33a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57f y4bb4 w33b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">98.68%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x580 y4bb4 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x581 y4bb4 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb4 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bb4 w33d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/5/2019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x583 y4bb4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb5 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb6 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb6 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x584 y4bb7 w33e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Easy<span class=\"_ _0\"></span> Box LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x585 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x586 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x587 y4bb7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x588 y4bb7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x589 y4bb7 w33f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58a y4bb7 w340 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransportation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58b y4bb7 w341 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/12/2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58c y4bb7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bb8 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bb9 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Optimo </td><td></td><td class=\"c n x509 y4bba w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bba w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58d y4bba w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58e y4bba w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58f y4bba w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bba w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x590 y4bba w343 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/<span class=\"_ _2\"></span>11/2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x591 y4bba w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Global<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x592 y4bbc w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x593 y4bbc w344 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">OPTIMO, <span class=\"_ _4b\"> </span>FE<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4bbc w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bbc w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bbc w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x594 y4bbc w345 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Uzbekistan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x595 y4bbc w346 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Mir<span class=\"_ _0\"></span>abadski District,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbc w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bbc w347 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/8/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x596 y4bbc w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x597 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C**<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4e6 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">81-38, T<span class=\"_ _d\"></span>ashkent<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bbe w348 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Deliver<span class=\"_ _2\"></span>y***<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x598 y4bbe w349 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">81.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x599 y4bbe w34a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59a y4bbe w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59b y4bbe w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59c y4bbe w34b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">6 A. Andronikashvili<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbe w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59d y4bbe w225 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/12<span class=\"_ _2\"></span>/2017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59e y4bbe w34c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/11/2022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bbf ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street II Dead End, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc0 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bc1 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4bc1 w34d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">El. <span class=\"_ _4b\"> </span>Biletebi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4bc1 w34e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">83.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a0 y4bc1 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a1 y4bc1 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a2 y4bc1 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a3 y4bc1 w34f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Aleksandre Kazbegi,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc1 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a4 y4bc1 w350 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">11/12/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a5 y4bc1 w351 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>/9/2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5a6 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">N29<span class=\"_ _0\"></span>, apartment N6, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc3 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bc4 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> Ticketing <span class=\"_ _4b\"> </span>Area </td><td></td><td class=\"c n x509 y4bc5 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bc5 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bc5 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4bc5 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a7 y4bc5 w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Stree<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc5 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a8 y4bc5 w352 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6/7<span class=\"_ _d\"></span>/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a9 y4bc5 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C*****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bc7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5aa y4bc7 w353 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Solo, LL<span class=\"_ _d\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ab y4bc7 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ac y4bc7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ad y4bc7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ae y4bc7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5af y4bc7 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b0 y4bc7 w354 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b1 y4bc7 w355 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/<span class=\"_ _0\"></span>4/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b2 y4bc7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bc8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bc9 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bc9 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bca ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>United </td><td></td><td></td><td class=\"c n x509 y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcb w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcb w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b3 y4bcb w356 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b4 y4bcb w357 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Registr<span class=\"_ _0\"></span>ar<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b5 y4bcb w358 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b6 y4bcb w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bcc ff2 fs1 fc1 sc0 ls0 wsf3\" colspan=\"2\">Securities Registrar<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bcc ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x507 h4 y4bcd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">of Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bce ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Express </td><td></td><td></td><td class=\"c n x509 y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcf w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcf w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b8 y4bcf w359 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1b, Budapest<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4bcf w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b9 y4bcf w35a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/200<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ba y4bcf w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>echnologies<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Street, Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4bd1 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Georgian </td><td></td><td class=\"c n x5bb y4bd2 w35b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _2\"></span>9.<span class=\"_ _39\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bc y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bd y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5be y4bd2 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bf y4bd2 w35d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c0 y4bd2 w35e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nutsubidze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ac y4bd2 w35f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Card pr<span class=\"_ _0\"></span>ocessing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c1 y4bd2 w360 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/1/<span class=\"_ _2\"></span>1997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c2 y4bd2 w361 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">20/10/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4bd3 ff2 fs1 fc1 sc0 ls51 ws97\">Card<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bd3 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0168<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4bd4 w362 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Direct <span class=\"_ _4b\"> </span>Debit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4bd4 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd4 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd4 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c3 y4bd4 w363 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Lux<span class=\"_ _0\"></span>emburg 25,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x565 h4 y4bd5 ff2 fs1 fc1 sc0 ls0 ws0\">Electronic </td><td class=\"c n x5c4 y4bd4 w364 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c5 y4bd4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Georgia, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">payment </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5c6 h4 y4bd7 ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>LLC Didi Digomi </td><td></td><td class=\"c n x509 y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd9 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd9 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c7 y4bd9 w365 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">80-82<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x48b h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\">Communication </td><td class=\"c n x563 y4bd9 w366 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/<span class=\"_ _0\"></span>4/2007<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c8 y4bd9 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Resear<span class=\"_ _0\"></span>ch Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4eb h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">D.Agmashenebeli </td><td class=\"t m1 x5c6 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bdb ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0102<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>Metro Service +, </td><td></td><td class=\"c n x509 y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bdd w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bdd w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5b3 y4bdd w356 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\">Business </td><td class=\"c n x4e8 y4bdd w367 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c9 y4bdd w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bde ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bde ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bde ff2 fs1 fc1 sc0 ls0 ws0\">servicing<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4bdf ff2 fs1 fc1 sc0 ls0 ws0\">Premium Complianc<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td class=\"c n x509 y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4be0 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4be0 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ca y4be0 w368 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Kazbegi Str<span class=\"_ _0\"></span>eet 3-5,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4be0 w369 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>arious<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cb y4be0 w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/2/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cc y4be0 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _0\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table><table class=\"s w36a h108\" id=\"_9a79d066-6c1c-436b-881a-ad22629d4700\"><tr><td></td><td class=\"t m1 x5cd h77 y4be2 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and ordinary share </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x5ce h77 y4be3 ffb fs1d fc1 sc0 ls0 ws0\">capital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x4d5 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td class=\"t m1 x48f h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h77 y4be5 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4da h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4be6 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4be7 w2d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4de y4be7 w2d4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4be7 w2d5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4be8 w36b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC Credit in<span class=\"_ _0\"></span>fo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cf y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d0 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d1 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d2 y4be8 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d3 y4be8 w36d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">2 T<span class=\"_ _d\"></span>arkhnishvili<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4be9 ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x563 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d4 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5d5 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4beb ff2 fs1 fc1 sc0 ls0 ws87\">JSC Tbilisi Stock </td><td class=\"c n x540 y4be0 w36e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">24<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d7 y4be0 w36f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d8 y4be0 w370 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d9 y4be0 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5da y4be0 w371 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">72 Vazha-P<span class=\"_ _0\"></span>shavela<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4beb ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x5db y4be0 w372 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5dc y4be0 w373 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/12/2016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">Exchange<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5dd h4 y4bec ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>JSC BG Financial established a new company \u2013 LL<span class=\"_ _0\"></span>C Galt and T<span class=\"_ _d\"></span>aggart SPV 2 on 22 September 2023 and has increased its c<span class=\"_ _0\"></span>apital by GEL<span class=\"_ _0\"></span> 304,900.<span class=\"_ _3e0\"> </span>** <span class=\"_ _105\"> </span>OPTIMO, FE LLC <span class=\"_ _0\"></span>was established on 31 August 2023, in the R<span class=\"_ _0\"></span>epublic of Uzbekistan. Authorised capital amounts to 1,224,<span class=\"_ _d\"></span>150,000 UZS, which is equivalent to 264,874 GEL.<span class=\"_ _3e0\"> </span>*** <span class=\"_ _4b\"> </span>JSC Digital Area inve<span class=\"_ _0\"></span>sted US$ 1,<span class=\"_ _0\"></span>108,535 in JSC Delivery in 2023 and owns an 81.38% stak<span class=\"_ _0\"></span>e. **** <span class=\"_ _d\"></span>JSC Digital Ar<span class=\"_ _0\"></span>ea bought 83.34% worth of shares in El. Biletebi LL<span class=\"_ _0\"></span>C in 2023 and total investmen<span class=\"_ _0\"></span>t amounts to GEL 1,200,<span class=\"_ _0\"></span>000.<span class=\"_ _3e0\"> </span>***** <span class=\"_ _d\"></span>JSC Digital Area established a new c<span class=\"_ _0\"></span>ompany<span class=\"_ _0\"></span>, LLC <span class=\"_ _0\"></span>Ticketing Ar<span class=\"_ _0\"></span>ea, on 6 July 20<span class=\"_ _0\"></span>23 and has increased its capital by<span class=\"_ _0\"></span> GEL 1,000,<span class=\"_ _0\"></span>000.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-799": {
   "value": "Subsidiaries and associates<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts as at 31 December 2023, 31 December 20<span class=\"_ _0\"></span>22 and 31 December 2021 include the f<span class=\"_ _0\"></span>ollowing subsidiaries and associates: <table class=\"s w2d2 h102\" id=\"_5d98be06-8b32-4e26-bd84-b13306fba561\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4b50 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4b51 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4b53 ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4b54 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4b55 w2d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4b55 w2d4 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4b55 w2d5 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b57 w2d6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">BGEO Group Limited<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4e2 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e3 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e4 y4b57 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e5 y4b57 w2d9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x4e7 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">Holding </td><td class=\"c n x4e8 y4b57 w2da h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/10/2011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e9 y4b57 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b59 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4ec h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Company<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b5a w2dc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC BGEO Group<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4ed y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ee y4b5a w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ef y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f0 y4b5a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4f1 y4b5a w2df h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a Gagarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b5a w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f3 y4b5a w2e1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f4 y4b5a w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b5b ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b5c w2e3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Idea<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4f6 y4b5c w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f7 y4b5c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f8 y4b5c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f9 y4b5c w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4fa y4b5c w2e4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Street,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fb y4b5c w2e5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fc y4b5c w2e6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">26/12/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fd y4b5c w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4b5d ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4b5e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Bank of </td><td></td><td></td><td></td><td class=\"c n x4ff y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x500 y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x501 y4b5f wc1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x502 y4b5f w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x503 y4b5f w2e9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a G<span class=\"_ _2\"></span>agarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b5f w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x505 y4b5f w2eb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/10/1994<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x506 y4b5f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x507 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b62 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50c y4b62 w2ec h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x50d h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x50e y4b62 w2ed h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/8/2010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50f y4b62 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b63 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">Office UK<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b65 ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _4a\"></span>T<span class=\"_ _d\"></span>ree of Life </td><td></td><td></td><td></td><td class=\"c n x509 y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b67 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b67 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x512 y4b67 w2ef h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x513 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">Charitable </td><td class=\"c n x514 y4b67 w2f0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/8/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x515 y4b67 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Foundation </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x516 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi 0105<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b69 ff2 fs1 fc1 sc0 ls0 ws0\">NPO (formerly<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6a ff2 fs1 fc1 sc0 ls0 ws0\">known as Bank of </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6b ff2 fs1 fc1 sc0 ls0 ws0\">Georgia Futur<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6c ff2 fs1 fc1 sc0 ls0 ws0\">Foundation, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6d ff2 fs1 fc1 sc0 ls1d ws3b\">NPO)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b6f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x518 y4b6f w2f1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Hungar<span class=\"_ _2\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x519 y4b6f w2f2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51a y4b6f w2f3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Budapest,</div></td><td class=\"t m1 x51b h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b6f w2f4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">18/<span class=\"_ _0\"></span>6/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51c y4b6f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">Szabads\u00e1g t\u00e9r<span class=\"_ _0\"></span> 7; </td><td class=\"t m1 x51e h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\">Office Hungary<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51f h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Bank Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b72 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b72 w2f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">R<span class=\"_ _0\"></span>epresentative<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b72 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x521 y4b72 w2f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>urke<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x522 y4b72 w2f8 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">S\u00fcleyman Seba</div></td><td class=\"t m1 x51b h4 y4b73 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b72 w260 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x523 y4b72 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b74 ff2 fs1 fc1 sc0 ls0 wsf2\">Office of JSC </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Caddesi No:48 </td><td class=\"t m1 x51e h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\">Bank of Georgia </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">A Blok Dair<span class=\"_ _0\"></span>e 82 </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws87\">in T<span class=\"_ _d\"></span>urkey </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Akar<span class=\"_ _0\"></span>etler Be\u015fikta\u015f </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x527 y4b77 w2f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">34357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x528 y4b77 w2fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Istanbul<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b78 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b78 w2fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gia <span class=\"_ _4b\"> </span>Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b78 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x529 y4b78 w2fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Isr<span class=\"_ _0\"></span>ael<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52a y4b78 w2fd h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7 Menahem Begin,</div></td><td class=\"t m1 x50d h4 y4b79 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x52b y4b78 w2fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>/2/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52c y4b78 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">Investments, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x52d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Ramat Gan 52681<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b7b ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b7c w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b7c w2ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Benderlock<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b7c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b7c w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b7c w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b7c w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x531 y4b7c w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">12/5/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x532 y4b7c w304 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">13/10/2009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws0\">Investments </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7f ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4b80 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4b80 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x535 h4 y4b81 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Belarusky </td><td></td><td class=\"c n x4ff y4b82 w307 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x536 y4b82 w308 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x537 y4b82 w309 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x538 y4b82 w30a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x539 y4b82 w30b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b82 w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53a y4b82 w30c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">16/4/1992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53b y4b82 w30d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _0\"></span>6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\">Narodny<span class=\"_ _0\"></span> Bank<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, Minsk, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x53d h4 y4b84 ff2 fs1 fc1 sc0 ls0 ws0\">220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b85 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b85 w30f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">BNB <span class=\"_ _4b\"> </span>Leasing,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4b85 w310 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x541 y4b85 w311 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x542 y4b85 w312 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x543 y4b85 w313 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x544 y4b85 w314 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b85 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x546 y4b85 w316 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">30/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x547 y4b85 w317 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4b86 ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b86 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, room </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b87 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">3, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b88 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4b88 w318 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gian <span class=\"_ _4b\"> </span>Leasing<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b88 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b88 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54a y4b88 w319 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3-5 Kazbegi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b88 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54b y4b88 w31a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/2001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54c y4b88 w31b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/<span class=\"_ _2\"></span>12/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Company<span class=\"_ _d\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x54d h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street,<span class=\"_ _5\"></span>Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x54e y4b8a w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54f y4b8a w31c h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Prime Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x550 y4b8a w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x551 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x552 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x553 y4b8a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x554 y4b8a w31d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Didube-Chughur<span class=\"_ _0\"></span>eti<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b8a w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x555 y4b8a w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>/1/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x556 y4b8a w31f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/1/2015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8b ff2 fs1 fc1 sc0 ls0 ws20\" colspan=\"2\">district, Ak<span class=\"_ _2\"></span>. T<span class=\"_ _0\"></span>sereteli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8c ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue \u2116114, Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b8d w320 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC BG Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x558 y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x559 y4b8d w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55a y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55b y4b8d w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x55c y4b8d w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b8d w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55d y4b8d w322 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/8/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55e y4b8d w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b8e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b8f w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b8f w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Galt &amp; </td><td></td><td class=\"c n x509 y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b91 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b91 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4b91 w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x562 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage </td><td class=\"c n x563 y4b91 w325 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>/12<span class=\"_ _2\"></span>/1995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x564 y4b91 w326 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/200<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td class=\"t m1 x565 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\">and asset </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b93 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b93 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi</div></td><td class=\"t m1 x566 h4 y4b94 ff2 fs1 fc1 sc0 ls0 ws0\">management<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b95 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b95 w327 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Branch<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b95 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x567 y4b95 w328 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Azerbaijan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x568 y4b95 w329 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1C Mikayil Mushvig,</div></td><td class=\"t m1 x51b h4 y4b96 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b95 w32a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x569 y4b95 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office of \u2018BG </td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Kempinski Hot<span class=\"_ _0\"></span>el </td><td class=\"t m1 x51e h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b98 ff2 fs1 fc1 sc0 ls0 wsf2\" colspan=\"2\">Kapital\u2019 JSC </td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h4 y4b98 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Badamdar<span class=\"_ _d\"></span>, 6th </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws77\" colspan=\"2\">in Azerbaijan<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws29\" colspan=\"2\">floor<span class=\"_ _d\"></span>, Y<span class=\"_ _0\"></span>asamal. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x56b y4b9a w32b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">AZ1006,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56c y4b9a w32c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Baku<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9b w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9b w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9b w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4b9b w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4b9b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4b9b w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x570 y4b9b w330 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Krtsanisi district<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x51b h4 y4b9c ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b9b w331 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/9/20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x571 y4b9b w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart SPV </td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Pushkin street N3, </td><td class=\"t m1 x51e h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">2 LL<span class=\"_ _0\"></span>C*<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9f w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9f w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b9f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b9f w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b9f w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b9f w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x573 y4b9f w332 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x574 y4b9f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Holdings </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4ba3 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4ba3 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4ba5 w30e h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4ba5 w333 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">BG <span class=\"_ _4b\"> </span>Capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4ba5 w2dd h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x575 y4ba5 w313 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x576 y4ba5 w334 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">5A-<span class=\"_ _0\"></span>3\u041d, K.Chornogo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x577 y4ba5 w335 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x578 y4ba5 w268 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">19/2/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x579 y4ba5 w2db h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">(Belarus), </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">lane, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4ba7 ff2 fs1 fc1 sc0 ls0 ws0\">LL<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w336 h106\" id=\"_5767dd58-38d0-459c-aa06-bead13280b02\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4ba8 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4ba9 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4bab ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4bac ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4bad w2d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4bad w2d4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4bad w2d5 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x422 h4 y4bae ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Digital <span class=\"_ _4b\"> </span>Area </td><td></td><td></td><td></td><td class=\"c n x509 y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bb0 w2dd h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bb0 w2ee h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4bb0 w321 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb0 w337 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57b y4bb0 w338 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">8/6/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57c y4bb0 w2db h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 wsf2\">(former JS<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 ws0\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb2 ff2 fs1 fc1 sc0 ls0 ws0\">Polymath Gr<span class=\"_ _0\"></span>oup)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb3 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb3 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb4 w339 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Extra area<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x57d y4bb4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57e y4bb4 w33a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57f y4bb4 w33b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">98.68%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x580 y4bb4 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x581 y4bb4 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb4 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bb4 w33d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/5/2019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x583 y4bb4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb5 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb6 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb6 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x584 y4bb7 w33e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Easy<span class=\"_ _0\"></span> Box LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x585 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x586 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x587 y4bb7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x588 y4bb7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x589 y4bb7 w33f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58a y4bb7 w340 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransportation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58b y4bb7 w341 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/12/2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58c y4bb7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bb8 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bb9 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Optimo </td><td></td><td class=\"c n x509 y4bba w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bba w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58d y4bba w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58e y4bba w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58f y4bba w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bba w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x590 y4bba w343 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/<span class=\"_ _2\"></span>11/2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x591 y4bba w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Global<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x592 y4bbc w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x593 y4bbc w344 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">OPTIMO, <span class=\"_ _4b\"> </span>FE<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4bbc w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bbc w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bbc w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x594 y4bbc w345 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Uzbekistan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x595 y4bbc w346 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Mir<span class=\"_ _0\"></span>abadski District,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbc w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bbc w347 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/8/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x596 y4bbc w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x597 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C**<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4e6 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">81-38, T<span class=\"_ _d\"></span>ashkent<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bbe w348 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Deliver<span class=\"_ _2\"></span>y***<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x598 y4bbe w349 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">81.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x599 y4bbe w34a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59a y4bbe w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59b y4bbe w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59c y4bbe w34b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">6 A. Andronikashvili<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbe w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59d y4bbe w225 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/12<span class=\"_ _2\"></span>/2017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59e y4bbe w34c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/11/2022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bbf ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street II Dead End, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc0 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bc1 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4bc1 w34d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">El. <span class=\"_ _4b\"> </span>Biletebi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4bc1 w34e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">83.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a0 y4bc1 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a1 y4bc1 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a2 y4bc1 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a3 y4bc1 w34f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Aleksandre Kazbegi,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc1 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a4 y4bc1 w350 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">11/12/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a5 y4bc1 w351 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>/9/2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5a6 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">N29<span class=\"_ _0\"></span>, apartment N6, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc3 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bc4 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> Ticketing <span class=\"_ _4b\"> </span>Area </td><td></td><td class=\"c n x509 y4bc5 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bc5 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bc5 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4bc5 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a7 y4bc5 w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Stree<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc5 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a8 y4bc5 w352 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6/7<span class=\"_ _d\"></span>/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a9 y4bc5 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C*****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bc7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5aa y4bc7 w353 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Solo, LL<span class=\"_ _d\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ab y4bc7 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ac y4bc7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ad y4bc7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ae y4bc7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5af y4bc7 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b0 y4bc7 w354 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b1 y4bc7 w355 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/<span class=\"_ _0\"></span>4/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b2 y4bc7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bc8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bc9 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bc9 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bca ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>United </td><td></td><td></td><td class=\"c n x509 y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcb w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcb w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b3 y4bcb w356 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b4 y4bcb w357 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Registr<span class=\"_ _0\"></span>ar<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b5 y4bcb w358 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b6 y4bcb w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bcc ff2 fs1 fc1 sc0 ls0 wsf3\" colspan=\"2\">Securities Registrar<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bcc ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x507 h4 y4bcd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">of Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bce ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Express </td><td></td><td></td><td class=\"c n x509 y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcf w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcf w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b8 y4bcf w359 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1b, Budapest<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4bcf w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b9 y4bcf w35a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/200<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ba y4bcf w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>echnologies<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Street, Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4bd1 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Georgian </td><td></td><td class=\"c n x5bb y4bd2 w35b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _2\"></span>9.<span class=\"_ _39\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bc y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bd y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5be y4bd2 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bf y4bd2 w35d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c0 y4bd2 w35e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nutsubidze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ac y4bd2 w35f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Card pr<span class=\"_ _0\"></span>ocessing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c1 y4bd2 w360 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/1/<span class=\"_ _2\"></span>1997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c2 y4bd2 w361 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">20/10/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4bd3 ff2 fs1 fc1 sc0 ls51 ws97\">Card<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bd3 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0168<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4bd4 w362 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Direct <span class=\"_ _4b\"> </span>Debit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4bd4 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd4 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd4 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c3 y4bd4 w363 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Lux<span class=\"_ _0\"></span>emburg 25,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x565 h4 y4bd5 ff2 fs1 fc1 sc0 ls0 ws0\">Electronic </td><td class=\"c n x5c4 y4bd4 w364 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c5 y4bd4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Georgia, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">payment </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5c6 h4 y4bd7 ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>LLC Didi Digomi </td><td></td><td class=\"c n x509 y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd9 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd9 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c7 y4bd9 w365 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">80-82<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x48b h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\">Communication </td><td class=\"c n x563 y4bd9 w366 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/<span class=\"_ _0\"></span>4/2007<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c8 y4bd9 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Resear<span class=\"_ _0\"></span>ch Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4eb h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">D.Agmashenebeli </td><td class=\"t m1 x5c6 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bdb ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0102<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>Metro Service +, </td><td></td><td class=\"c n x509 y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bdd w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bdd w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5b3 y4bdd w356 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\">Business </td><td class=\"c n x4e8 y4bdd w367 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c9 y4bdd w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bde ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bde ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bde ff2 fs1 fc1 sc0 ls0 ws0\">servicing<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4bdf ff2 fs1 fc1 sc0 ls0 ws0\">Premium Complianc<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td class=\"c n x509 y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4be0 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4be0 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ca y4be0 w368 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Kazbegi Str<span class=\"_ _0\"></span>eet 3-5,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4be0 w369 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>arious<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cb y4be0 w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/2/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cc y4be0 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _0\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table><table class=\"s w36a h108\" id=\"_9a79d066-6c1c-436b-881a-ad22629d4700\"><tr><td></td><td class=\"t m1 x5cd h77 y4be2 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and ordinary share </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x5ce h77 y4be3 ffb fs1d fc1 sc0 ls0 ws0\">capital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x4d5 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td class=\"t m1 x48f h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h77 y4be5 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4da h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4be6 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4be7 w2d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4de y4be7 w2d4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4be7 w2d5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4be8 w36b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC Credit in<span class=\"_ _0\"></span>fo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cf y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d0 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d1 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d2 y4be8 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d3 y4be8 w36d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">2 T<span class=\"_ _d\"></span>arkhnishvili<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4be9 ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x563 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d4 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5d5 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4beb ff2 fs1 fc1 sc0 ls0 ws87\">JSC Tbilisi Stock </td><td class=\"c n x540 y4be0 w36e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">24<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d7 y4be0 w36f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d8 y4be0 w370 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d9 y4be0 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5da y4be0 w371 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">72 Vazha-P<span class=\"_ _0\"></span>shavela<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4beb ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x5db y4be0 w372 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5dc y4be0 w373 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/12/2016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">Exchange<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5dd h4 y4bec ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>JSC BG Financial established a new company \u2013 LL<span class=\"_ _0\"></span>C Galt and T<span class=\"_ _d\"></span>aggart SPV 2 on 22 September 2023 and has increased its c<span class=\"_ _0\"></span>apital by GEL<span class=\"_ _0\"></span> 304,900.<span class=\"_ _3e0\"> </span>** <span class=\"_ _105\"> </span>OPTIMO, FE LLC <span class=\"_ _0\"></span>was established on 31 August 2023, in the R<span class=\"_ _0\"></span>epublic of Uzbekistan. Authorised capital amounts to 1,224,<span class=\"_ _d\"></span>150,000 UZS, which is equivalent to 264,874 GEL.<span class=\"_ _3e0\"> </span>*** <span class=\"_ _4b\"> </span>JSC Digital Area inve<span class=\"_ _0\"></span>sted US$ 1,<span class=\"_ _0\"></span>108,535 in JSC Delivery in 2023 and owns an 81.38% stak<span class=\"_ _0\"></span>e. **** <span class=\"_ _d\"></span>JSC Digital Ar<span class=\"_ _0\"></span>ea bought 83.34% worth of shares in El. Biletebi LL<span class=\"_ _0\"></span>C in 2023 and total investmen<span class=\"_ _0\"></span>t amounts to GEL 1,200,<span class=\"_ _0\"></span>000.<span class=\"_ _3e0\"> </span>***** <span class=\"_ _d\"></span>JSC Digital Area established a new c<span class=\"_ _0\"></span>ompany<span class=\"_ _0\"></span>, LLC <span class=\"_ _0\"></span>Ticketing Ar<span class=\"_ _0\"></span>ea, on 6 July 20<span class=\"_ _0\"></span>23 and has increased its capital by<span class=\"_ _0\"></span> GEL 1,000,<span class=\"_ _0\"></span>000.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-755": {
   "value": "Subsidiaries and associates<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts as at 31 December 2023, 31 December 20<span class=\"_ _0\"></span>22 and 31 December 2021 include the f<span class=\"_ _0\"></span>ollowing subsidiaries and associates: <table class=\"s w2d2 h102\" id=\"_5d98be06-8b32-4e26-bd84-b13306fba561\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4b50 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4b51 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4b52 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4b53 ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4b54 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4b55 w2d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4b55 w2d4 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4b55 w2d5 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4b54 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b57 w2d6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">BGEO Group Limited<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4e2 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e3 y4b57 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e4 y4b57 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e5 y4b57 w2d9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x4e7 h4 y4b58 ff2 fs1 fc1 sc0 ls0 ws0\">Holding </td><td class=\"c n x4e8 y4b57 w2da h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/10/2011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4e9 y4b57 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b59 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4ec h4 y4b59 ff2 fs1 fc1 sc0 ls0 ws0\">Company<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b5a w2dc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC BGEO Group<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4ed y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ee y4b5a w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ef y4b5a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f0 y4b5a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4f1 y4b5a w2df h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a Gagarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b5a w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f3 y4b5a w2e1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f4 y4b5a w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b5b ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b5c w2e3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Idea<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x4f6 y4b5c w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f7 y4b5c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f8 y4b5c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f9 y4b5c w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4fa y4b5c w2e4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Street,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fb y4b5c w2e5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fc y4b5c w2e6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">26/12/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4fd y4b5c w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4b5d ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4b5e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Bank of </td><td></td><td></td><td></td><td class=\"c n x4ff y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x500 y4b5f w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x501 y4b5f wc1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x502 y4b5f w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x503 y4b5f w2e9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29a G<span class=\"_ _2\"></span>agarini<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b5f w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x505 y4b5f w2eb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/10/1994<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x506 y4b5f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x507 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b60 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0105<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b62 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b62 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50c y4b62 w2ec h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">United<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"t m1 x4e6 h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">29 Farm Str<span class=\"_ _0\"></span>eet, </td><td class=\"t m1 x50d h4 y4b61 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x50e y4b62 w2ed h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/8/2010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50f y4b62 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td class=\"t m1 x4ea h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">Kingdom<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x4eb h4 y4b63 ff2 fs1 fc1 sc0 ls0 wsf0\">London, W1J 5RL<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b63 ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">Office UK<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b64 ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b65 ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _4a\"></span>T<span class=\"_ _d\"></span>ree of Life </td><td></td><td></td><td></td><td class=\"c n x509 y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b67 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b67 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b67 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x512 y4b67 w2ef h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3 Pushkin Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x513 h4 y4b66 ff2 fs1 fc1 sc0 ls0 ws0\">Charitable </td><td class=\"c n x514 y4b67 w2f0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/8/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x515 y4b67 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Foundation </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x516 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi 0105<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h4 y4b68 ff2 fs1 fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b69 ff2 fs1 fc1 sc0 ls0 ws0\">NPO (formerly<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6a ff2 fs1 fc1 sc0 ls0 ws0\">known as Bank of </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6b ff2 fs1 fc1 sc0 ls0 ws0\">Georgia Futur<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6c ff2 fs1 fc1 sc0 ls0 ws0\">Foundation, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b6d ff2 fs1 fc1 sc0 ls1d ws3b\">NPO)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x508 h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">\u00de   <span class=\"_ _85\"></span>Bank of Georgia </td><td></td><td></td><td></td><td class=\"c n x509 y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b6f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b6f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x518 y4b6f w2f1 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Hungar<span class=\"_ _2\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x519 y4b6f w2f2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51a y4b6f w2f3 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Budapest,</div></td><td class=\"t m1 x51b h4 y4b6e ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b6f w2f4 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">18/<span class=\"_ _0\"></span>6/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x51c y4b6f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">Szabads\u00e1g t\u00e9r<span class=\"_ _0\"></span> 7; </td><td class=\"t m1 x51e h4 y4b70 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\">Office Hungary<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51f h4 y4b71 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Bank Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b72 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b72 w2f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">R<span class=\"_ _0\"></span>epresentative<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b72 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b72 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x521 y4b72 w2f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>urke<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x522 y4b72 w2f8 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">S\u00fcleyman Seba</div></td><td class=\"t m1 x51b h4 y4b73 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b72 w260 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x523 y4b72 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b74 ff2 fs1 fc1 sc0 ls0 wsf2\">Office of JSC </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Caddesi No:48 </td><td class=\"t m1 x51e h4 y4b74 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\">Bank of Georgia </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b75 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">A Blok Dair<span class=\"_ _0\"></span>e 82 </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws87\">in T<span class=\"_ _d\"></span>urkey </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b76 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Akar<span class=\"_ _0\"></span>etler Be\u015fikta\u015f </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x527 y4b77 w2f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">34357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x528 y4b77 w2fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Istanbul<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b78 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b78 w2fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gia <span class=\"_ _4b\"> </span>Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b78 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b78 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x529 y4b78 w2fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Isr<span class=\"_ _0\"></span>ael<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52a y4b78 w2fd h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7 Menahem Begin,</div></td><td class=\"t m1 x50d h4 y4b79 ff2 fs1 fc1 sc0 ls0 ws0\">Inf<span class=\"_ _0\"></span>ormation </td><td class=\"c n x52b y4b78 w2fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>/2/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52c y4b78 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">Investments, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x52d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Ramat Gan 52681<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x50d h4 y4b7a ff2 fs1 fc1 sc0 ls0 ws0\">sharing and </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x48b h4 y4b7b ff2 fs1 fc1 sc0 ls0 ws0\">market r<span class=\"_ _0\"></span>esearch<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b7c w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x520 y4b7c w2ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Benderlock<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b7c w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b7c w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b7c w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b7c w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b7c w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x531 y4b7c w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">12/5/2009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x532 y4b7c w304 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">13/10/2009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws0\">Investments </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4b7d ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws0\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7e ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b7f ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4b80 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4b80 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x535 h4 y4b81 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Belarusky </td><td></td><td class=\"c n x4ff y4b82 w307 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x536 y4b82 w308 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x537 y4b82 w309 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x538 y4b82 w30a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x539 y4b82 w30b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x504 y4b82 w2ea h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53a y4b82 w30c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">16/4/1992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53b y4b82 w30d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _0\"></span>6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\">Narodny<span class=\"_ _0\"></span> Bank<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4b83 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, Minsk, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x53d h4 y4b84 ff2 fs1 fc1 sc0 ls0 ws0\">220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b85 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b85 w30f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">BNB <span class=\"_ _4b\"> </span>Leasing,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4b85 w310 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x541 y4b85 w311 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99.<span class=\"_ _d\"></span>90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x542 y4b85 w312 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>.90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x543 y4b85 w313 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x544 y4b85 w314 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nezavisimosty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b85 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x546 y4b85 w316 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">30/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x547 y4b85 w317 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/6/2008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4b86 ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b86 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Avenue 87A, room </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b87 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">3, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x423 y4b88 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4b88 w318 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Geor<span class=\"_ _0\"></span>gian <span class=\"_ _4b\"> </span>Leasing<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b88 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b88 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b88 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54a y4b88 w319 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3-5 Kazbegi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b88 w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54b y4b88 w31a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/2001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54c y4b88 w31b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/<span class=\"_ _2\"></span>12/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Company<span class=\"_ _d\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x54d h4 y4b89 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street,<span class=\"_ _5\"></span>Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x54e y4b8a w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x54f y4b8a w31c h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Prime Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x550 y4b8a w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x551 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x552 y4b8a w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x553 y4b8a w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x554 y4b8a w31d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Didube-Chughur<span class=\"_ _0\"></span>eti<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4b8a w315 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Leasing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x555 y4b8a w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>/1/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x556 y4b8a w31f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21/1/2015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8b ff2 fs1 fc1 sc0 ls0 ws20\" colspan=\"2\">district, Ak<span class=\"_ _2\"></span>. T<span class=\"_ _0\"></span>sereteli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x557 h4 y4b8c ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue \u2116114, Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b8d w320 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC BG Financial<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x558 y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x559 y4b8d w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55a y4b8d w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55b y4b8d w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x55c y4b8d w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4f2 y4b8d w2e0 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55d y4b8d w322 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/8/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x55e y4b8d w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b8e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b8f w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b8f w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Galt &amp; </td><td></td><td class=\"c n x509 y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b91 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b91 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4b91 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4b91 w321 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x562 h4 y4b90 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage </td><td class=\"c n x563 y4b91 w325 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>/12<span class=\"_ _2\"></span>/1995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x564 y4b91 w326 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/200<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td class=\"t m1 x565 h4 y4b92 ff2 fs1 fc1 sc0 ls0 ws0\">and asset </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4b93 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4b93 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi</div></td><td class=\"t m1 x566 h4 y4b94 ff2 fs1 fc1 sc0 ls0 ws0\">management<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4b95 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4b95 w327 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Branch<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b95 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b95 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x567 y4b95 w328 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Azerbaijan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x568 y4b95 w329 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1C Mikayil Mushvig,</div></td><td class=\"t m1 x51b h4 y4b96 ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x514 y4b95 w32a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">28/12/2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x569 y4b95 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office of \u2018BG </td><td></td><td></td><td></td><td></td><td class=\"t m1 x549 h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Kempinski Hot<span class=\"_ _0\"></span>el </td><td class=\"t m1 x51e h4 y4b97 ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b98 ff2 fs1 fc1 sc0 ls0 wsf2\" colspan=\"2\">Kapital\u2019 JSC </td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h4 y4b98 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Badamdar<span class=\"_ _d\"></span>, 6th </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws77\" colspan=\"2\">in Azerbaijan<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4b99 ff2 fs1 fc1 sc0 ls0 ws29\" colspan=\"2\">floor<span class=\"_ _d\"></span>, Y<span class=\"_ _0\"></span>asamal. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x56b y4b9a w32b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">AZ1006,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56c y4b9a w32c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Baku<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9b w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9b w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9b w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4b9b w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4b9b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4b9b w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x570 y4b9b w330 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Krtsanisi district<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x51b h4 y4b9c ff2 fs1 fc1 sc0 ls0 ws0\">Repre<span class=\"_ _0\"></span>sentative </td><td class=\"c n x50e y4b9b w331 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/9/20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x571 y4b9b w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart SPV </td><td></td><td></td><td></td><td></td><td class=\"t m1 x526 h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Pushkin street N3, </td><td class=\"t m1 x51e h4 y4b9d ff2 fs1 fc1 sc0 ls0 ws0\">office<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">2 LL<span class=\"_ _0\"></span>C*<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4b9e ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4b9f w32d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Galt <span class=\"_ _4b\"> </span>and<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4b9f w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4b9f w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4b9f w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52e y4b9f w300 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Cyprus<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52f y4b9f w301 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Arch. Makariou III<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4b9f w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x573 y4b9f w332 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3/<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x574 y4b9f w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>aggart </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51d h4 y4ba0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">58, IRIS TOWER, </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Holdings </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba1 ff2 fs1 fc1 sc0 ls0 ws69\" colspan=\"2\">8th floor<span class=\"_ _d\"></span>, Flat/<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x548 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Limited<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h4 y4ba2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Office 7<span class=\"_ _0\"></span>02 P<span class=\"_ _d\"></span>.C. </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x533 y4ba3 w305 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1075,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x534 y4ba3 w306 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nicosia<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x53e y4ba5 w30e h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53f y4ba5 w333 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 wsf1\">BG <span class=\"_ _4b\"> </span>Capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4ba5 w2dd h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4ba5 w2d7 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x575 y4ba5 w313 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Belarus<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x576 y4ba5 w334 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">5A-<span class=\"_ _0\"></span>3\u041d, K.Chornogo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x577 y4ba5 w335 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">Brok<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x578 y4ba5 w268 h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">19/2/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x579 y4ba5 w2db h105\"><div class=\"t m1 x1c5 h4 y4ba4 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">(Belarus), </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4ba6 ff2 fs1 fc1 sc0 ls0 ws0\">lane, Minsk, 220012<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x548 h4 y4ba7 ff2 fs1 fc1 sc0 ls0 ws0\">LL<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w336 h106\" id=\"_5767dd58-38d0-459c-aa06-bead13280b02\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d3 h77 y4ba8 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4d4 h77 y4ba9 ffb fs1d fc1 sc0 ls0 ws0\">ordinary share c<span class=\"_ _0\"></span>apital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x4d5 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td></td><td class=\"t m1 x48f h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4baa ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h4 y4bab ffb fs1 fc1 sc0 ls0 ws0\">Subsidiaries </td><td></td><td></td><td></td><td class=\"t m1 x4da h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4bac ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4bad w2d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x4de y4bad w2d4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4bad w2d5 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4bac ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x422 h4 y4bae ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Digital <span class=\"_ _4b\"> </span>Area </td><td></td><td></td><td></td><td class=\"c n x509 y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bb0 w2dd h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bb0 w2d7 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bb0 w2ee h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x561 y4bb0 w321 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb0 w337 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57b y4bb0 w338 h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">8/6/2018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57c y4bb0 w2db h107\"><div class=\"t m1 x1c5 h4 y4baf ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 wsf2\">(former JS<span class=\"_ _0\"></span>C </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb1 ff2 fs1 fc1 sc0 ls0 ws0\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bb2 ff2 fs1 fc1 sc0 ls0 ws0\">Polymath Gr<span class=\"_ _0\"></span>oup)<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb3 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb3 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb4 w339 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span> <span class=\"_ _5a\"></span>JSC Extra area<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x57d y4bb4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57e y4bb4 w33a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57f y4bb4 w33b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">98.68%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x580 y4bb4 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x581 y4bb4 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bb4 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bb4 w33d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/5/2019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x583 y4bb4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bb5 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bb6 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bb6 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bb7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x584 y4bb7 w33e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Easy<span class=\"_ _0\"></span> Box LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x585 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x586 y4bb7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x587 y4bb7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x588 y4bb7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x589 y4bb7 w33f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58a y4bb7 w340 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransportation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58b y4bb7 w341 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>/12/2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58c y4bb7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bb8 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bb9 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Optimo </td><td></td><td class=\"c n x509 y4bba w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bba w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58d y4bba w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58e y4bba w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x58f y4bba w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Str<span class=\"_ _0\"></span>eet<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bba w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x590 y4bba w343 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/<span class=\"_ _2\"></span>11/2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x591 y4bba w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Global<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bbb ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n x592 y4bbc w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x593 y4bbc w344 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">OPTIMO, <span class=\"_ _4b\"> </span>FE<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x509 y4bbc w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bbc w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bbc w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x594 y4bbc w345 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Uzbekistan<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x595 y4bbc w346 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Mir<span class=\"_ _0\"></span>abadski District,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbc w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x582 y4bbc w347 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">31/8/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x596 y4bbc w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x597 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C**<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4e6 h4 y4bbd ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">81-38, T<span class=\"_ _d\"></span>ashkent<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bbe w348 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de <span class=\"_ _3\"> </span>JSC Deliver<span class=\"_ _2\"></span>y***<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x598 y4bbe w349 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">81.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x599 y4bbe w34a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59a y4bbe w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59b y4bbe w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59c y4bbe w34b h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">6 A. Andronikashvili<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bbe w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59d y4bbe w225 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/12<span class=\"_ _2\"></span>/2017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x59e y4bbe w34c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/11/2022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bbf ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Street II Dead End, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc0 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x423 y4bc1 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x520 y4bc1 w34d h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">El. <span class=\"_ _4b\"> </span>Biletebi<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x540 y4bc1 w34e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">83.34%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a0 y4bc1 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a1 y4bc1 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a2 y4bc1 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a3 y4bc1 w34f h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Aleksandre Kazbegi,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc1 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a4 y4bc1 w350 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">11/12/2008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a5 y4bc1 w351 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>/9/2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5a6 h4 y4bc2 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">N29<span class=\"_ _0\"></span>, apartment N6, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc3 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bc4 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> Ticketing <span class=\"_ _4b\"> </span>Area </td><td></td><td class=\"c n x509 y4bc5 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56d y4bc5 w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56e y4bc5 w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x56f y4bc5 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a7 y4bc5 w342 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">41, Pekini Stree<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x57a y4bc5 w337 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Digital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a8 y4bc5 w352 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6/7<span class=\"_ _d\"></span>/2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5a9 y4bc5 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">LL<span class=\"_ _0\"></span>C*****<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4bc6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bc7 w2f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u00de<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5aa y4bc7 w353 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Solo, LL<span class=\"_ _d\"></span>C<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ab y4bc7 w2d8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ac y4bc7 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ad y4bc7 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ae y4bc7 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5af y4bc7 w33c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">79 David<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b0 y4bc7 w354 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b1 y4bc7 w355 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">22/<span class=\"_ _0\"></span>4/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b2 y4bc7 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x525 h4 y4bc8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Agmashenebeli </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x55f y4bc9 w323 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, 0102,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x560 y4bc9 w324 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">Tbilisi<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bca ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>United </td><td></td><td></td><td class=\"c n x509 y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcb w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcb w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcb w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b3 y4bcb w356 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b4 y4bcb w357 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Registr<span class=\"_ _0\"></span>ar<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b5 y4bcb w358 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b6 y4bcb w2e2 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bcc ff2 fs1 fc1 sc0 ls0 wsf3\" colspan=\"2\">Securities Registrar<span class=\"_ _0\"></span> </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bcc ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x507 h4 y4bcd ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">of Georgia<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h4 y4bce ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Express </td><td></td><td></td><td class=\"c n x509 y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bcf w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bcf w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bcf w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b8 y4bcf w359 h104\" colspan=\"2\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1b, Budapest<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x530 y4bcf w302 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Investments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5b9 y4bcf w35a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">29/10/200<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ba y4bcf w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x507 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">T<span class=\"_ _d\"></span>echnologies<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4f5 h4 y4bd0 ff2 fs1 fc1 sc0 ls0 ws87\" colspan=\"2\">Street, Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x535 h4 y4bd1 ff2 fs1 fc1 sc0 ls0 wsf1\" colspan=\"2\">\u00de <span class=\"_ _84\"> </span> JSC <span class=\"_ _4b\"> </span>Georgian </td><td></td><td class=\"c n x5bb y4bd2 w35b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _2\"></span>9.<span class=\"_ _39\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bc y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bd y4bd2 w35c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 lsa7 wsf4\">9<span class=\"_ _39\"></span>9.4<span class=\"_ _2\"></span>1<span class=\"_ _39\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5be y4bd2 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5bf y4bd2 w35d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c0 y4bd2 w35e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Nutsubidze<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ac y4bd2 w35f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Card pr<span class=\"_ _0\"></span>ocessing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c1 y4bd2 w360 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/1/<span class=\"_ _2\"></span>1997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c2 y4bd2 w361 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">20/10/2004<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x53c h4 y4bd3 ff2 fs1 fc1 sc0 ls51 ws97\">Card<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bd3 ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0168<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n x53f y4bd4 w362 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">Direct <span class=\"_ _4b\"> </span>Debit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x53e y4bd4 w30e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 wsf1\">\u00de<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x509 y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd4 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd4 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd4 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c3 y4bd4 w363 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Lux<span class=\"_ _0\"></span>emburg 25,<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x565 h4 y4bd5 ff2 fs1 fc1 sc0 ls0 ws0\">Electronic </td><td class=\"c n x5c4 y4bd4 w364 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>/3/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c5 y4bd4 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x548 h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Georgia, LL<span class=\"_ _0\"></span>C<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4fe h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi, 0160<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bd6 ff2 fs1 fc1 sc0 ls0 ws0\">payment </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5c6 h4 y4bd7 ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>LLC Didi Digomi </td><td></td><td class=\"c n x509 y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bd9 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bd9 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bd9 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5c7 y4bd9 w365 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">80-82<span class=\"_ _2\"></span>,</div></td><td class=\"t m1 x48b h4 y4bd8 ff2 fs1 fc1 sc0 ls0 ws0\">Communication </td><td class=\"c n x563 y4bd9 w366 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/<span class=\"_ _0\"></span>4/2007<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c8 y4bd9 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x510 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">Resear<span class=\"_ _0\"></span>ch Center<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x4eb h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">D.Agmashenebeli </td><td class=\"t m1 x5c6 h4 y4bda ff2 fs1 fc1 sc0 ls0 ws0\">services<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x59f h4 y4bdb ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi, 0102<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x508 h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">\u00de   <span class=\"_ _85\"></span>Metro Service +, </td><td></td><td class=\"c n x509 y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4bdd w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4bdd w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4bdd w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5b3 y4bdd w356 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">74a Chav<span class=\"_ _0\"></span>chavadze<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4bdc ff2 fs1 fc1 sc0 ls0 ws0\">Business </td><td class=\"c n x4e8 y4bdd w367 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10/5/2006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5c9 y4bdd w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x510 h4 y4bde ff2 fs1 fc1 sc0 ls62 ws92\">L<span class=\"_ _2\"></span>LC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5b7 h4 y4bde ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi, 0162<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h4 y4bde ff2 fs1 fc1 sc0 ls0 ws0\">servicing<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4bdf ff2 fs1 fc1 sc0 ls0 ws0\">Premium Complianc<span class=\"_ _0\"></span>e </td><td></td><td></td><td></td><td class=\"c n x509 y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50a y4be0 w2dd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x50b y4be0 w2d7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">100.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x511 y4be0 w2ee h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">G<span class=\"_ _2\"></span>eorgia<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x5ca y4be0 w368 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Kazbegi Str<span class=\"_ _0\"></span>eet 3-5,<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x545 y4be0 w369 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>arious<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cb y4be0 w31e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>/2/2012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cc y4be0 w2db h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _0\"></span>, LLC<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x572 h4 y4be1 ff2 fs1 fc1 sc0 ls0 ws0\">Tbilisi<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table><table class=\"s w36a h108\" id=\"_9a79d066-6c1c-436b-881a-ad22629d4700\"><tr><td></td><td class=\"t m1 x5cd h77 y4be2 ffb fs1d fc1 sc0 ls0 ws0\">Proportion of vo<span class=\"_ _0\"></span>ting rights and ordinary share </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x5ce h77 y4be3 ffb fs1d fc1 sc0 ls0 ws0\">capital held<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x4d5 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d6 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d7 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x4d8 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Country of </td><td></td><td></td><td class=\"t m1 x48f h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td><td class=\"t m1 x4d9 h77 y4be4 ffb fs1d fc1 sc0 ls0 ws0\">Date of </td></tr><tr><td class=\"t m1 x1c9 h77 y4be5 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4da h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4db h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4dc h77 y4be6 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x4dd y4be7 w2d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4de y4be7 w2d4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9f wsea\">Address<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4df y4be7 w2d5 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Industry</div></td><td class=\"t m1 x4e0 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">incorporation<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4e1 h77 y4be6 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4be8 w36b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">JSC Credit in<span class=\"_ _0\"></span>fo<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5cf y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d0 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d1 y4be8 w36c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">21.08%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d2 y4be8 w2e8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d3 y4be8 w36d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws87\">2 T<span class=\"_ _d\"></span>arkhnishvili<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4be9 ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x563 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d4 y4be8 w303 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">14/2/2005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5d5 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws87\">Street, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bea ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h4 y4beb ff2 fs1 fc1 sc0 ls0 ws87\">JSC Tbilisi Stock </td><td class=\"c n x540 y4be0 w36e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">24<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d7 y4be0 w36f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.04<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d8 y4be0 w370 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">2<span class=\"_ _2\"></span>4.0<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5d9 y4be0 w2de h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5da y4be0 w371 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws77\">72 Vazha-P<span class=\"_ _0\"></span>shavela<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x48e h4 y4beb ff2 fs1 fc1 sc0 ls0 ws0\">Financial </td><td class=\"c n x5db y4be0 w372 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8/5/2015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5dc y4be0 w373 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">23/12/2016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">Exchange<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td class=\"t m1 x5dd h4 y4bec ff2 fs1 fc1 sc0 ls0 ws87\">Avenue, Tbilisi<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5d6 h4 y4bec ff2 fs1 fc1 sc0 ls0 ws0\">intermediation<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>JSC BG Financial established a new company \u2013 LL<span class=\"_ _0\"></span>C Galt and T<span class=\"_ _d\"></span>aggart SPV 2 on 22 September 2023 and has increased its c<span class=\"_ _0\"></span>apital by GEL<span class=\"_ _0\"></span> 304,900.<span class=\"_ _3e0\"> </span>** <span class=\"_ _105\"> </span>OPTIMO, FE LLC <span class=\"_ _0\"></span>was established on 31 August 2023, in the R<span class=\"_ _0\"></span>epublic of Uzbekistan. Authorised capital amounts to 1,224,<span class=\"_ _d\"></span>150,000 UZS, which is equivalent to 264,874 GEL.<span class=\"_ _3e0\"> </span>*** <span class=\"_ _4b\"> </span>JSC Digital Area inve<span class=\"_ _0\"></span>sted US$ 1,<span class=\"_ _0\"></span>108,535 in JSC Delivery in 2023 and owns an 81.38% stak<span class=\"_ _0\"></span>e. **** <span class=\"_ _d\"></span>JSC Digital Ar<span class=\"_ _0\"></span>ea bought 83.34% worth of shares in El. Biletebi LL<span class=\"_ _0\"></span>C in 2023 and total investmen<span class=\"_ _0\"></span>t amounts to GEL 1,200,<span class=\"_ _0\"></span>000.<span class=\"_ _3e0\"> </span>***** <span class=\"_ _d\"></span>JSC Digital Area established a new c<span class=\"_ _0\"></span>ompany<span class=\"_ _0\"></span>, LLC <span class=\"_ _0\"></span>Ticketing Ar<span class=\"_ _0\"></span>ea, on 6 July 20<span class=\"_ _0\"></span>23 and has increased its capital by<span class=\"_ _0\"></span> GEL 1,000,<span class=\"_ _0\"></span>000.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-690": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs9c\">3.  Summar<span class=\"_ _2\"></span>y of<span class=\"_ _0\"></span> significant acc<span class=\"_ _0\"></span>ounting policies<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs9d\">Basis of consolidation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs9e\">The Consolidated Financial Stat<span class=\"_ _0\"></span>ements comprise the financial statements o<span class=\"_ _0\"></span>f the Group and its subsidiaries as at 31 December<span class=\"_ _0\"></span> 2023. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs9f\">The Group consolidat<span class=\"_ _0\"></span>es a subsidiar<span class=\"_ _2\"></span>y when it c<span class=\"_ _0\"></span>ontrols it. Control is achiev<span class=\"_ _0\"></span>ed when the Group is e<span class=\"_ _0\"></span>xposed, or has rights, to <span class=\"_ _0\"></span>variable </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa0\">returns <span class=\"_ _0\"></span>from its inv<span class=\"_ _0\"></span>olvement with the inv<span class=\"_ _0\"></span>estee and has the ability to af<span class=\"_ _0\"></span>fect those r<span class=\"_ _0\"></span>eturns through its power<span class=\"_ _0\"></span> over the in<span class=\"_ _0\"></span>vestee. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa1\">Specifically<span class=\"_ _d\"></span>, the Group con<span class=\"_ _0\"></span>trols an investee if<span class=\"_ _0\"></span> and only if the Gr<span class=\"_ _0\"></span>oup has: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa2\">\u2022 <span class=\"_ _59\"> </span>power over<span class=\"_ _0\"></span> the investee (i.e<span class=\"_ _0\"></span>. existing rights that give it <span class=\"_ _0\"></span>the current ability <span class=\"_ _0\"></span>to direct the r<span class=\"_ _0\"></span>elevant activities of the inv<span class=\"_ _0\"></span>estee); </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa3\">\u2022 <span class=\"_ _59\"> </span>exposure<span class=\"_ _0\"></span>, or rights, to v<span class=\"_ _0\"></span>ariable returns f<span class=\"_ _0\"></span>rom its involvemen<span class=\"_ _0\"></span>t with the investee; and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa4\">\u2022 <span class=\"_ _59\"> </span>the ability to use its power<span class=\"_ _0\"></span> over the in<span class=\"_ _0\"></span>vestee to aff<span class=\"_ _0\"></span>ect its returns. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa5\">Consolidation of a subsidiary begins when <span class=\"_ _0\"></span>the Group obtains contr<span class=\"_ _0\"></span>ol over <span class=\"_ _0\"></span>the subsidiar<span class=\"_ _2\"></span>y and ceases <span class=\"_ _0\"></span>when the<span class=\"_ gs7d\"> </span>Group loses contr<span class=\"_ _0\"></span>ol </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa6\">of the subsidiary<span class=\"_ _d\"></span>. Income and expenses of a subsidiary acquir<span class=\"_ _0\"></span>ed or disposed of during the <span class=\"_ _0\"></span>year ar<span class=\"_ _0\"></span>e included in the statement of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa7\">comprehensiv<span class=\"_ _0\"></span>e income fr<span class=\"_ _0\"></span>om the date the Group gains c<span class=\"_ _0\"></span>ontrol until the date <span class=\"_ _0\"></span>the Group ceases to c<span class=\"_ _0\"></span>ontrol the<span class=\"_ gs7d\"> </span>subsidiary<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa8\">Profit or<span class=\"_ _0\"></span> loss and each component of other c<span class=\"_ _0\"></span>omprehensive income ar<span class=\"_ _0\"></span>e attributed to the equity<span class=\"_ _0\"></span> holders of the par<span class=\"_ _0\"></span>ent of the Gr<span class=\"_ _0\"></span>oup </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsa9\">and to the non-con<span class=\"_ _0\"></span>trolling inter<span class=\"_ _0\"></span>ests, even if this r<span class=\"_ _0\"></span>esults in the non-contr<span class=\"_ _0\"></span>olling interests having a deficit balance<span class=\"_ _0\"></span>. When necessary<span class=\"_ _0\"></span>, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsaa\">adjustments are made <span class=\"_ _0\"></span>to the financial statements of<span class=\"_ _0\"></span> subsidiaries to bring their acc<span class=\"_ _0\"></span>ounting policies into line with the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsab\">accounting policies. <span class=\"_ _0\"></span>All intra-gr<span class=\"_ _0\"></span>oup assets and liabilities, equity<span class=\"_ _0\"></span>, income, e<span class=\"_ _0\"></span>xpenses and cash flows r<span class=\"_ _0\"></span>elating to transactions between </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsac\">members of the Gr<span class=\"_ _0\"></span>oup are eliminated in f<span class=\"_ _0\"></span>ull on consolidation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsad\">A change in the owner<span class=\"_ _0\"></span>ship interest of a sub<span class=\"_ _0\"></span>sidiar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, without a loss of control, is ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or as an equity tr<span class=\"_ _0\"></span>ansaction.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gsae\">Business combinations and goodwill<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsaf\">For each business c<span class=\"_ _0\"></span>ombination, the Group elects whether<span class=\"_ _0\"></span> to measure the non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue or at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb0\">the proportionate shar<span class=\"_ _0\"></span>e of the acquiree<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s identifiable net assets. <span class=\"_ _0\"></span>Acquisition-related costs ar<span class=\"_ _0\"></span>e expensed as incurr<span class=\"_ _0\"></span>ed and included in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb1\">administrative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gsb2\">Inv<span class=\"_ _0\"></span>estments in associates<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb3\">Associates are en<span class=\"_ _0\"></span>tities in which the Group gener<span class=\"_ _0\"></span>ally has between 20% and 50% of<span class=\"_ _0\"></span> the voting rights, or<span class=\"_ _0\"></span> is otherwise able to exer<span class=\"_ _0\"></span>cise </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb4\">significant influenc<span class=\"_ _0\"></span>e over<span class=\"_ _d\"></span>, but which it does not contr<span class=\"_ _0\"></span>ol or jointly<span class=\"_ _0\"></span> control. In<span class=\"_ _0\"></span>vestments in associates are ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or under the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb5\">equity method and ar<span class=\"_ _0\"></span>e initially r<span class=\"_ _0\"></span>ecognised at cost, including goodwill. Subsequent changes in the carrying value reflect the  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb6\">post-acquisition changes in the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of net assets of<span class=\"_ _0\"></span> the associate. The Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of its associates\u2019 pr<span class=\"_ _0\"></span>ofits or losses </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb7\">is recognised in <span class=\"_ _0\"></span>the consolidated income statement, and its share of mo<span class=\"_ _0\"></span>vements in reserves is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb8\">income. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, when the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s share of los<span class=\"_ _0\"></span>ses in an associate equals or ex<span class=\"_ _0\"></span>ceeds its interest in <span class=\"_ _0\"></span>the associate, the Group does  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsb9\">not rec<span class=\"_ _0\"></span>ognise further losses, unless the Gr<span class=\"_ _0\"></span>oup is obliged to make f<span class=\"_ _0\"></span>urther payments to, or on behalf o<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>, the associate.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws7 gsba\">Common contr<span class=\"_ _0\"></span>ol transactions </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsbb\">The Group gener<span class=\"_ _0\"></span>ally accoun<span class=\"_ _0\"></span>ts for c<span class=\"_ _0\"></span>ommon control <span class=\"_ _0\"></span>transaction at cost. Those tr<span class=\"_ _0\"></span>ansactions involving the acquisition of in<span class=\"_ _0\"></span>vestment in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsbc\">a subsidiary<span class=\"_ _0\"></span>, associate or joint v<span class=\"_ _0\"></span>enture ar<span class=\"_ _0\"></span>e accounted at the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f the consideration giv<span class=\"_ _0\"></span>en. When the purchase c<span class=\"_ _0\"></span>onsideration </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsbd\">does not corr<span class=\"_ _0\"></span>espond to the f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>the investment acquir<span class=\"_ _0\"></span>ed the investment is ac<span class=\"_ _0\"></span>counted at f<span class=\"_ _0\"></span>air value with the c<span class=\"_ _0\"></span>orresponding </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsbe\">eff<span class=\"_ _0\"></span>ect recognised in the acquir<span class=\"_ _0\"></span>er\u2019s st<span class=\"_ _0\"></span>andalone income statement. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsbf\">Accounting <span class=\"_ _0\"></span>for common c<span class=\"_ _0\"></span>ontrol tr<span class=\"_ _0\"></span>ansactions has no effect on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gsc0\">Inv<span class=\"_ _0\"></span>estments in subsidiaries and associate<span class=\"_ _0\"></span>s in parent compan<span class=\"_ _0\"></span>y financial st<span class=\"_ _0\"></span>atements<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc1\">For <span class=\"_ _0\"></span>the purposes of parent c<span class=\"_ _0\"></span>ompany financial s<span class=\"_ _0\"></span>tatements, investments in subsidiaries and associates ar<span class=\"_ _0\"></span>e accounted at co<span class=\"_ _0\"></span>st less </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc2\">any<span class=\"_ _0\"></span> impairment. Dividends from a subsidiary or an associat<span class=\"_ _0\"></span>e are recognised in <span class=\"_ _0\"></span>the parent compan<span class=\"_ _0\"></span>y financial statemen<span class=\"_ _0\"></span>ts when the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc3\">parent\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the dividend is established.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws49 gsc4\">Fair v<span class=\"_ _0\"></span>alue measurement<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc5\">The Group measur<span class=\"_ _0\"></span>es financial instruments, such as tr<span class=\"_ _0\"></span>ading and investment securities, certain loans t<span class=\"_ _0\"></span>o customers, derivatives and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc6\">non-financial assets such as inv<span class=\"_ _0\"></span>estment properties, at f<span class=\"_ _0\"></span>air value at each balance sheet date<span class=\"_ _0\"></span>. Also, f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial instruments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc7\">measured at amortised cost ar<span class=\"_ _0\"></span>e disclosed in Note 31.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc8\">The Group uses <span class=\"_ _0\"></span>valuation techniques that ar<span class=\"_ _0\"></span>e appropriate in the cir<span class=\"_ _0\"></span>cumstances and for<span class=\"_ _0\"></span> which sufficient data is available <span class=\"_ _0\"></span>to measure </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsc9\">fair<span class=\"_ _0\"></span> value, maximising the use of r<span class=\"_ _0\"></span>elevant observable inputs and minimising the use of<span class=\"_ _0\"></span> unobser<span class=\"_ _2\"></span>vable inputs.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsca\">All assets and liabilities f<span class=\"_ _0\"></span>or which f<span class=\"_ _0\"></span>air value is measur<span class=\"_ _0\"></span>ed or disclosed in the financial statemen<span class=\"_ _0\"></span>ts are categorised within the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gscb\">hierar<span class=\"_ _0\"></span>chy<span class=\"_ _d\"></span>, described as follows, based on <span class=\"_ _0\"></span>the lowest level input that is significan<span class=\"_ _0\"></span>t to the f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ement as a whole:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gscc\">\u2022 <span class=\"_ _59\"> </span>Level 1 \u2212 Quoted (unadjusted) mark<span class=\"_ _0\"></span>et prices in active markets <span class=\"_ _0\"></span>for identic<span class=\"_ _0\"></span>al assets or liabilities.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gscd\">\u2022 <span class=\"_ _59\"> </span>Level 2 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is dir<span class=\"_ _0\"></span>ectly or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsce\">indirectly<span class=\"_ _0\"></span> observable.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gscf\">\u2022 <span class=\"_ _59\"> </span>Level 3 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is unobservable.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd0\">For asse<span class=\"_ _0\"></span>ts and liabilities that are r<span class=\"_ _0\"></span>ecognised in the financial statements on a r<span class=\"_ _0\"></span>ecurring basis, the Group determines <span class=\"_ _0\"></span>whether </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd1\">transf<span class=\"_ _0\"></span>ers have occurr<span class=\"_ _0\"></span>ed between levels in the hier<span class=\"_ _0\"></span>archy<span class=\"_ _0\"></span> by<span class=\"_ _0\"></span> reassessing categorisation (based on the lo<span class=\"_ _0\"></span>west level input that is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd2\">significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement as a <span class=\"_ _0\"></span>whole) at the end o<span class=\"_ _0\"></span>f each reporting period.<span class=\"_ _3e0\"> </span> </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gsd4\">Financial assets and liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gsd5\">Classification and measur<span class=\"_ _0\"></span>ement for financial as<span class=\"_ _0\"></span>sets and liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd6\">The Group classifies all of<span class=\"_ _0\"></span> its financial assets based on the business model f<span class=\"_ _0\"></span>or managing the assets and the asse<span class=\"_ _0\"></span>t\u2019<span class=\"_ _0\"></span>s contractual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd7\">terms, measured at either:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd8\">\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through pr<span class=\"_ _0\"></span>ofit or loss (FVTPL);<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsd9\">\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through other<span class=\"_ _0\"></span> comprehensive income (FV<span class=\"_ _0\"></span>OCI) with recycling <span class=\"_ _0\"></span>to profit or loss upon disposal <span class=\"_ _0\"></span>for debt instrumen<span class=\"_ _0\"></span>ts; </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsda\">\u2022 <span class=\"_ _59\"> </span>FVOCI without r<span class=\"_ _0\"></span>ecycling to profit or<span class=\"_ _0\"></span> loss for equity<span class=\"_ _0\"></span> instruments; or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsdb\">\u2022 <span class=\"_ _59\"> </span>amortised cost<span class=\"_ _2\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsdc\">Financial liabilities, other than loan c<span class=\"_ _0\"></span>ommitments and financial guaran<span class=\"_ _0\"></span>tees, are measured at amortised cost or<span class=\"_ _0\"></span> at FVTPL if the<span class=\"_ _0\"></span>y are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gsdd\">held for<span class=\"_ _0\"></span> trading. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsde\">Embedded derivatives ar<span class=\"_ _0\"></span>e not separated f<span class=\"_ _0\"></span>rom a host financial asset. Instead, financial assets ar<span class=\"_ _0\"></span>e classified based on the business </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gsdf\">model and their contractual terms. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse0\">All derivative instruments ar<span class=\"_ _0\"></span>e measured at FVTPL.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gse1\">Measurement o<span class=\"_ _0\"></span>f financial instruments at initial rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse2\">When financial instruments ar<span class=\"_ _0\"></span>e recognised initially<span class=\"_ _d\"></span>, they<span class=\"_ _0\"></span> are measur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value, adjusted, in the case o<span class=\"_ _0\"></span>f instruments not at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse3\">FVTPL<span class=\"_ _2\"></span>, for<span class=\"_ _0\"></span> directly attribut<span class=\"_ _0\"></span>able fees and costs.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse4\">The best evidence of <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> value of a financial instrumen<span class=\"_ _0\"></span>t at initial recognition is normally<span class=\"_ _0\"></span> the transaction price. If<span class=\"_ _0\"></span> the Group </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gse5\">determines that the f<span class=\"_ _0\"></span>air value at initial recognition differ<span class=\"_ _0\"></span>s from the tr<span class=\"_ _0\"></span>ansaction price, then:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse6\">\u2022 <span class=\"_ _59\"> </span>if the f<span class=\"_ _0\"></span>air value is evidenced b<span class=\"_ _0\"></span>y a quoted pric<span class=\"_ _0\"></span>e in an active market f<span class=\"_ _0\"></span>or an identical asset or<span class=\"_ _0\"></span> liability (i.e., a Lev<span class=\"_ _0\"></span>el 1 input) or based on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse7\">a valuation technique <span class=\"_ _0\"></span>that uses only data f<span class=\"_ _0\"></span>rom observable markets, <span class=\"_ _0\"></span>the Group rec<span class=\"_ _0\"></span>ognises the diff<span class=\"_ _0\"></span>erence between the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse8\">initial recognition and <span class=\"_ _0\"></span>the transaction price as a gain or loss;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gse9\">\u2022 <span class=\"_ _59\"> </span>in all other cases, the initial measur<span class=\"_ _0\"></span>ement of the financial instr<span class=\"_ _0\"></span>ument is adjusted to def<span class=\"_ _0\"></span>er the diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsea\">initial recognition and <span class=\"_ _0\"></span>the transaction price. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, the Gr<span class=\"_ _0\"></span>oup recognises that def<span class=\"_ _0\"></span>erred dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e as a gain or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gseb\">loss only <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that it arises from a change in a <span class=\"_ _0\"></span>factor (including time<span class=\"_ _d\"></span>) that market participants would t<span class=\"_ _0\"></span>ake into accoun<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsec\">when pricing the asset or liability<span class=\"_ _d\"></span>. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gsed\">Subsequent measur<span class=\"_ _0\"></span>ement of financial instruments </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gsee\">Financial instruments measur<span class=\"_ _0\"></span>ed at amortised cost</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsef\">The Group measur<span class=\"_ _0\"></span>es amounts due fr<span class=\"_ _0\"></span>om credit institutions, loans to customer<span class=\"_ _0\"></span>s and other financial assets at amortised cost if both </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf0\">of the f<span class=\"_ _0\"></span>ollowing conditions ar<span class=\"_ _0\"></span>e met:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf1\">\u2022 <span class=\"_ _59\"> </span>The financial asset is held within a business model with <span class=\"_ _0\"></span>the objective to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf2\">cash<span class=\"_ gs7d\"> </span>flows.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf3\">\u2022 <span class=\"_ _59\"> </span>The contractual t<span class=\"_ _0\"></span>erms of the financial asset give rise on specified dates <span class=\"_ _0\"></span>to cash flows that ar<span class=\"_ _0\"></span>e solely payments of<span class=\"_ _0\"></span> principal and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf4\">interes<span class=\"_ _0\"></span>t (SPPI) on the principal amount outstanding.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf5\">The details of these c<span class=\"_ _0\"></span>onditions are outlined below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gsf6\">Business model</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf7\">The Group determines its busine<span class=\"_ _0\"></span>ss model at the level that best r<span class=\"_ _0\"></span>eflects how it manages groups of<span class=\"_ _0\"></span> financial assets to achieve its </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf8\">business objective. <span class=\"_ _0\"></span>The business model is not assessed on an instrument-by<span class=\"_ _0\"></span>-instrument basis, but at a higher lev<span class=\"_ _0\"></span>el of aggregated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsf9\">portfolios per instr<span class=\"_ _0\"></span>ument type and is based on the f<span class=\"_ _0\"></span>ollowing observable factors:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsfa\">\u2022 <span class=\"_ _59\"> </span>The risks that aff<span class=\"_ _0\"></span>ect the performance of the business model (<span class=\"_ _d\"></span>and the financial assets held within that business model) and, in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gsfb\">particular<span class=\"_ _d\"></span>, the way those risks are managed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsfc\">\u2022 <span class=\"_ _59\"> </span>How managers of <span class=\"_ _0\"></span>the business are compensated (f<span class=\"_ _0\"></span>or ex<span class=\"_ _0\"></span>ample, whether the c<span class=\"_ _0\"></span>ompensation is based on the fair<span class=\"_ _0\"></span> value of the assets </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsfd\">managed or on the con<span class=\"_ _0\"></span>tractual cash flows collected).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsfe\">\u2022 <span class=\"_ _59\"> </span>How financial assets held within particular busines<span class=\"_ _0\"></span>s model are evaluated and r<span class=\"_ _0\"></span>eported to ke<span class=\"_ _0\"></span>y management personnel.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gsff\">The expected f<span class=\"_ _0\"></span>requency<span class=\"_ _d\"></span>, value and timing of sales ar<span class=\"_ _0\"></span>e also important aspects of the assessment. The business model assessmen<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs100\">is based on reasonably<span class=\"_ _0\"></span> expected scenarios without <span class=\"_ _0\"></span>taking \u2018worst case\u2019 or<span class=\"_ _0\"></span> \u2018str<span class=\"_ _0\"></span>ess case\u2019 scenarios in<span class=\"_ _0\"></span>to account. If cash flows af<span class=\"_ _0\"></span>ter </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs101\">initial recognition ar<span class=\"_ _0\"></span>e realised in a way<span class=\"_ _0\"></span> that is diff<span class=\"_ _0\"></span>erent <span class=\"_ _0\"></span>from the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s original expectations, the Group does no<span class=\"_ _0\"></span>t change the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs102\">classification of the r<span class=\"_ _0\"></span>emaining financial assets held in that business model, but inc<span class=\"_ _0\"></span>orporates such inf<span class=\"_ _0\"></span>ormation when assessing </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs103\">newly originat<span class=\"_ _0\"></span>ed or newly pur<span class=\"_ _0\"></span>chased financial assets going f<span class=\"_ _0\"></span>orward.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs105\">There ar<span class=\"_ _0\"></span>e three business models available under<span class=\"_ _0\"></span> IFRS 9:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs106\">\u2022 <span class=\"_ _59\"> </span>Hold to collect: It is intended to hold <span class=\"_ _0\"></span>the asset to maturity to earn in<span class=\"_ _0\"></span>terest, collecting repayments of principal and in<span class=\"_ _0\"></span>terest f<span class=\"_ _0\"></span>orm </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs107\">the counterparty<span class=\"_ _d\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs108\">\u2022 <span class=\"_ _59\"> </span>Hold to collect and sell: This model is similar<span class=\"_ _0\"></span> to the hold to collect model, e<span class=\"_ _0\"></span>xcept that <span class=\"_ _0\"></span>the entity may<span class=\"_ _0\"></span> elect to sell some or all of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs109\">assets bef<span class=\"_ _0\"></span>ore maturity as cir<span class=\"_ _0\"></span>cumstances change or to hold <span class=\"_ _0\"></span>the assets for<span class=\"_ _0\"></span> liquidity purposes. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs10a\">\u2022 <span class=\"_ _59\"> </span>Other: All those models that do not meet <span class=\"_ _0\"></span>the \u2018hold to collect\u2019 or \u2018hold to c<span class=\"_ _0\"></span>ollect and sell\u2019 qualifying criteria. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs10b\">Solely P<span class=\"_ _0\"></span>ayments of Principal and Inter<span class=\"_ _0\"></span>est (SPPI)</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs10c\">If a financial asset is held in either<span class=\"_ _0\"></span> a \u2018hold to collect\u2019 or a \u2018hold to collect and sell\u2019 business model, then <span class=\"_ _0\"></span>the Group assesses whether<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs10d\">contr<span class=\"_ _0\"></span>actual cash flows are SPPI on <span class=\"_ _0\"></span>the principal amount outstanding at initial recognition t<span class=\"_ _0\"></span>o determine the classification. The SPPI </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs10e\">test is performed on an individual instrumen<span class=\"_ _0\"></span>t basis.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs10f\">Contr<span class=\"_ _0\"></span>actual cash flows that repr<span class=\"_ _0\"></span>esent SPPI on the principal amount outstanding ar<span class=\"_ _0\"></span>e consistent with basic lending arr<span class=\"_ _0\"></span>angements. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs110\">Interes<span class=\"_ _0\"></span>t is consideration f<span class=\"_ _0\"></span>or the time v<span class=\"_ _0\"></span>alue of money<span class=\"_ _0\"></span> and the credit risk associated <span class=\"_ _0\"></span>with the principal amount outstanding </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs111\">during a particular period of time. It c<span class=\"_ _0\"></span>an also include consideration f<span class=\"_ _0\"></span>or other basic lending risks (<span class=\"_ _d\"></span>e.g. liquidity risk) and costs </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs112\">(<span class=\"_ _0\"></span>e.g. administrativ<span class=\"_ _0\"></span>e costs) associated with holding the <span class=\"_ _0\"></span>financial asset for<span class=\"_ _0\"></span> a particular period of time, and a pr<span class=\"_ _0\"></span>ofit margin that is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs113\">consistent with a basic lending arr<span class=\"_ _0\"></span>angement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs114\">In assessing whether <span class=\"_ _0\"></span>the contractual cash <span class=\"_ _0\"></span>flows are SPPI, the Gr<span class=\"_ _0\"></span>oup considers whether <span class=\"_ _0\"></span>the contractual terms o<span class=\"_ _0\"></span>f the financial asset </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs115\">contain a term <span class=\"_ _0\"></span>that could change the timing or amoun<span class=\"_ _0\"></span>t of contractual cash <span class=\"_ _0\"></span>flows arising over the lif<span class=\"_ _0\"></span>e of the instrumen<span class=\"_ _0\"></span>t which could </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs116\">aff<span class=\"_ _0\"></span>ect whether the instrument is considered to meet the SPPI test.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs117\">If the SPPI test is <span class=\"_ _0\"></span>failed, such financial assets ar<span class=\"_ _0\"></span>e measured at FVTPL <span class=\"_ _0\"></span>with interest earned r<span class=\"_ _0\"></span>ecognised in other inter<span class=\"_ _0\"></span>est income.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs118\">Debt instruments at FV<span class=\"_ _0\"></span>OCI</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs119\">The Group measur<span class=\"_ _0\"></span>es debt investment securities at FV<span class=\"_ _0\"></span>OCI when both of the <span class=\"_ _0\"></span>following categories ar<span class=\"_ _0\"></span>e met: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11a\">\u2022 <span class=\"_ _59\"> </span>The instrument is held within a business model, the objective of<span class=\"_ _0\"></span> which is achieved by<span class=\"_ _0\"></span> collecting contr<span class=\"_ _0\"></span>actual cash flows, selling </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11b\">financial assets and holding such financial instruments <span class=\"_ _0\"></span>for liquidity<span class=\"_ _0\"></span> management purposes.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11c\">\u2022 <span class=\"_ _59\"> </span><span class=\"ws16\">The contractual terms of the financial asset meet the SPPI test.<span class=\"_ _3e0\"> </span></span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11d\">FVOCI debt in<span class=\"_ _0\"></span>vestment securities are subsequently<span class=\"_ _0\"></span> measured at f<span class=\"_ _0\"></span>air value <span class=\"_ _0\"></span>with gains and losses arising due to changes in f<span class=\"_ _0\"></span>air </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11e\">value rec<span class=\"_ _0\"></span>ognised in OCI. Interest income and <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange gains and losses ar<span class=\"_ _0\"></span>e recognised in pr<span class=\"_ _0\"></span>ofit or loss in the same manner </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs11f\">as f<span class=\"_ _0\"></span>or financial assets measured at amortised cost. On derec<span class=\"_ _0\"></span>ognition, cumulative gains or losses pre<span class=\"_ _0\"></span>viously rec<span class=\"_ _0\"></span>ognised in OCI are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs120\">reclassified f<span class=\"_ _0\"></span>rom OCI to pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs121\">Equity instr<span class=\"_ _0\"></span>uments at FVOCI \u2013 option</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs122\">Upon initial recognition, <span class=\"_ _0\"></span>the Group may elect <span class=\"_ _0\"></span>to classify irre<span class=\"_ _0\"></span>vocably its equity<span class=\"_ _0\"></span> instruments as equity instruments at FV<span class=\"_ _0\"></span>OCI when they<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs123\">meet the definition of equity<span class=\"_ _0\"></span> under IAS 32 </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs124\">Financial Instruments: Pr<span class=\"_ _0\"></span>esentation</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs125\"> and are not held <span class=\"_ _0\"></span>for tr<span class=\"_ _0\"></span>ading. Such classification is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs126\">determined on an instrument-b<span class=\"_ _0\"></span>y-instrument basis. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs127\">The Group does not r<span class=\"_ _0\"></span>ecycle gains and losses on these equity ins<span class=\"_ _0\"></span>truments to profit or<span class=\"_ _0\"></span> loss nor does it make impairmen<span class=\"_ _0\"></span>t assessment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs128\">for<span class=\"_ _0\"></span> these instruments. Dividends rec<span class=\"_ _0\"></span>eived are r<span class=\"_ _0\"></span>ecognised in profit or loss. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs129\">Financial assets at FVTPL</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs12a\">Groups of<span class=\"_ _0\"></span> financial assets for<span class=\"_ _0\"></span> which the business model is other <span class=\"_ _0\"></span>than \u2018hold to collect\u2019 and \u2018hold to collect and sell\u2019 are measur<span class=\"_ _0\"></span>ed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs12b\">at<span class=\"_ gs7d\"> </span>FVTPL<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs12c\">Derivatives r<span class=\"_ _0\"></span>ecorded at FVTPL</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs12d\">The Group ent<span class=\"_ _0\"></span>ers into derivative tr<span class=\"_ _0\"></span>ansactions with various count<span class=\"_ _0\"></span>erparties. These include interest r<span class=\"_ _0\"></span>ate swaps, f<span class=\"_ _0\"></span>orwards and other </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs12e\">similar instruments. Derivativ<span class=\"_ _0\"></span>es are rec<span class=\"_ _0\"></span>orded at f<span class=\"_ _0\"></span>air value and carried as assets <span class=\"_ _0\"></span>when their f<span class=\"_ _0\"></span>air value is positive and as liabilities </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs12f\">when their f<span class=\"_ _0\"></span>air value is negativ<span class=\"_ _0\"></span>e. Net changes in the f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> derivatives are included in Net other<span class=\"_ _0\"></span> gains/(losses), ex<span class=\"_ _0\"></span>cluding gain/<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs130\">loss on f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change derivatives which ar<span class=\"_ _0\"></span>e presented in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain. Fr<span class=\"_ _0\"></span>om the beginning of 2019<span class=\"_ _d\"></span>, the Group enters </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs131\">into certain cro<span class=\"_ _0\"></span>ss-currency swap agr<span class=\"_ _0\"></span>eements to match its f<span class=\"_ _0\"></span>unding costs in certain currencies with <span class=\"_ _0\"></span>the income generated f<span class=\"_ _0\"></span>rom </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs132\">lending activities in these currencies. <span class=\"_ _0\"></span>As a result, the Group economic<span class=\"_ _0\"></span>ally hedges the inter<span class=\"_ _0\"></span>est rate risk, howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, no hedge accounting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs133\">under IFRS 9 is applied. Net changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of such derivative financial instrumen<span class=\"_ _0\"></span>ts, which are pr<span class=\"_ _0\"></span>esented in net for<span class=\"_ _0\"></span>eign </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs134\">currency<span class=\"_ _0\"></span> gain, excludes un<span class=\"_ _0\"></span>winding of the locked-in in<span class=\"_ _0\"></span>terest diff<span class=\"_ _0\"></span>erential <span class=\"_ _0\"></span>which is presented as part of inter<span class=\"_ _0\"></span>est expense to r<span class=\"_ _0\"></span>eflect risk </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs135\">management objective of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs136\">Financial guaran<span class=\"_ _0\"></span>tees, letter of<span class=\"_ _0\"></span> credits and other financial c<span class=\"_ _0\"></span>ommitments</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs137\">The Group ent<span class=\"_ _0\"></span>ers into the financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts whereby<span class=\"_ _0\"></span> it is requir<span class=\"_ _0\"></span>ed to make specified payments t<span class=\"_ _0\"></span>o reimburse the holder </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs138\">for<span class=\"_ _0\"></span> a loss it incurs because a specified debtor f<span class=\"_ _0\"></span>ails to mak<span class=\"_ _0\"></span>e payment when due. Financial guar<span class=\"_ _0\"></span>antees, letter of<span class=\"_ _0\"></span> credits and other </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs139\">financial commitments ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>ognised in the financial statements at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>, being the premium r<span class=\"_ _0\"></span>eceived. Subsequent </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs13a\">to initial recognition, <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under each guaran<span class=\"_ _0\"></span>tee is measured at the higher o<span class=\"_ _0\"></span>f the amount initially r<span class=\"_ _0\"></span>ecognised, less </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs13b\">cumulative amortisation recognised in <span class=\"_ _0\"></span>the consolidated income statement and an e<span class=\"_ _0\"></span>xpected credit loss (ECL) pro<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs13d\">Non-financial guarant<span class=\"_ _0\"></span>ees</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs13e\">The Group ent<span class=\"_ _0\"></span>ers into non-financial guaran<span class=\"_ _0\"></span>tee contracts wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> it is required <span class=\"_ _0\"></span>to compensate to the holder in c<span class=\"_ _0\"></span>ase another party </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs13f\">fails <span class=\"_ _0\"></span>to meet its contractual obligations. Non-financial guar<span class=\"_ _0\"></span>antees are initially<span class=\"_ _0\"></span> recognised in <span class=\"_ _0\"></span>the financial statements at f<span class=\"_ _0\"></span>air value, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs140\">being the premium r<span class=\"_ _0\"></span>eceived, amortised on a straigh<span class=\"_ _0\"></span>t-line basis over the lif<span class=\"_ _0\"></span>e of the contr<span class=\"_ _0\"></span>act. Subsequent to initial recognition the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs141\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under non-financial guar<span class=\"_ _0\"></span>antee is measured at <span class=\"_ _0\"></span>the amount that repr<span class=\"_ _0\"></span>esents the best estimate of <span class=\"_ _0\"></span>the expenditure </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs142\">requir<span class=\"_ _0\"></span>ed to settle the pr<span class=\"_ _0\"></span>esent obligation. The estimate <span class=\"_ _0\"></span>takes into acc<span class=\"_ _0\"></span>ount the probability<span class=\"_ _0\"></span> of another party def<span class=\"_ _0\"></span>aulting on its </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs143\">obligations as well as available collat<span class=\"_ _0\"></span>eral under the guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts and is recognised in the consolidated inc<span class=\"_ _0\"></span>ome statement as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs144\">part of other e<span class=\"_ _0\"></span>xpected credit.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs145\">Cash and cash equiv<span class=\"_ _0\"></span>alents<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs146\">Cash and cash equivalents c<span class=\"_ _0\"></span>onsist of cash on hand, amounts due f<span class=\"_ _0\"></span>rom centr<span class=\"_ _0\"></span>al banks, excluding obligat<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves with centr<span class=\"_ _0\"></span>al </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs147\">banks, and amounts due fr<span class=\"_ _0\"></span>om credit institutions that mat<span class=\"_ _0\"></span>ure within 90 days of <span class=\"_ _0\"></span>the date of origination, and are f<span class=\"_ _0\"></span>ree f<span class=\"_ _0\"></span>rom </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs148\">contr<span class=\"_ _0\"></span>actual encumbrances and readily<span class=\"_ _0\"></span> convertible to kno<span class=\"_ _0\"></span>wn amounts of cash. <span class=\"_ _0\"></span>The Group also holds cash in nominal ownership </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs149\">on behalf of its clients. <span class=\"_ _0\"></span>The Group does not con<span class=\"_ _0\"></span>trol this cash nor<span class=\"_ _0\"></span> does it have the potential to pr<span class=\"_ _0\"></span>oduce economic benefits to <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs14a\">Group, <span class=\"_ _0\"></span>theref<span class=\"_ _0\"></span>ore asset rec<span class=\"_ _0\"></span>ognition criteria is not met in such cases. Respectively<span class=\"_ _d\"></span>, the Gr<span class=\"_ _0\"></span>oup does not recognise the<span class=\"_ _0\"></span>se amounts in its </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs14b\">consolidated statement of<span class=\"_ _0\"></span> financial position. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs14c\">Borro<span class=\"_ _0\"></span>wings<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs14d\">The Group classifies issued <span class=\"_ _0\"></span>financial instruments or their c<span class=\"_ _0\"></span>omponents as liabilities, where the sub<span class=\"_ _0\"></span>stance of the contr<span class=\"_ _0\"></span>actual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs14e\">arrangement r<span class=\"_ _0\"></span>esults in the Group having an obligation either<span class=\"_ _0\"></span> to deliver cash or<span class=\"_ _0\"></span> another financial asset to <span class=\"_ _0\"></span>the holder<span class=\"_ _d\"></span>, or to satisfy </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs14f\">the obligation other than b<span class=\"_ _0\"></span>y the e<span class=\"_ _0\"></span>xchange of a <span class=\"_ _0\"></span>fixed amount of cash or<span class=\"_ _0\"></span> another financial asset f<span class=\"_ _0\"></span>or a fix<span class=\"_ _0\"></span>ed number of own equity </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs150\">instruments. Such instruments include amoun<span class=\"_ _0\"></span>ts due to credit institutions and amounts due <span class=\"_ _0\"></span>to customers (including promissory </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs151\">notes issued). T<span class=\"_ _0\"></span>he Group initially r<span class=\"_ _0\"></span>ecognises these liabilities at the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of the consider<span class=\"_ _0\"></span>ation received less dir<span class=\"_ _0\"></span>ectly attributable </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs152\">transaction costs. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, borrowings ar<span class=\"_ _0\"></span>e subsequently<span class=\"_ _0\"></span> measured at amortised cost, using the effectiv<span class=\"_ _0\"></span>e interest </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs153\">rate (EIR) method. Gains and losses ar<span class=\"_ _0\"></span>e recognised in <span class=\"_ _0\"></span>the consolidated income statement when <span class=\"_ _0\"></span>the borrowings ar<span class=\"_ _0\"></span>e derecognised as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs154\">well as thr<span class=\"_ _0\"></span>ough the amortisation process. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs155\">Issued Additional <span class=\"_ _0\"></span>Tier 1 instruments with perpetual mat<span class=\"_ _0\"></span>urity and discretionary inter<span class=\"_ _0\"></span>est payments are classified as <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs156\">when the instruments ar<span class=\"_ _0\"></span>e not convertible into equity<span class=\"_ _0\"></span> and the Group does not have an unc<span class=\"_ _0\"></span>onditional right to avoid delivering cash upon </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs157\">a predetermined <span class=\"_ _0\"></span>trigger event that is be<span class=\"_ _0\"></span>yond the contr<span class=\"_ _0\"></span>ol of both the issuer<span class=\"_ _0\"></span> and the holder of the instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Such instruments are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs158\">measured at amortised cost with r<span class=\"_ _0\"></span>espective interes<span class=\"_ _0\"></span>t presented as part of inter<span class=\"_ _0\"></span>est expense in the consolidat<span class=\"_ _0\"></span>ed income statement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs159\">If the Gr<span class=\"_ _0\"></span>oup purchases its own debt, it is remov<span class=\"_ _0\"></span>ed from <span class=\"_ _0\"></span>the statement of financial position and the dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ence between the carrying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs15a\">amount of the liability<span class=\"_ _0\"></span> and the consideration paid is r<span class=\"_ _0\"></span>ecognised in the consolidated inc<span class=\"_ _0\"></span>ome statement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs15b\">Subordinated deb<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs15c\">Subordinated debt r<span class=\"_ _0\"></span>epresents long-<span class=\"_ _0\"></span>term funds attr<span class=\"_ _0\"></span>acted by the Bank<span class=\"_ _0\"></span> on the international financial mark<span class=\"_ _0\"></span>ets or domestic market. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs15d\">The holders of subor<span class=\"_ _0\"></span>dinated debt would be subor<span class=\"_ _0\"></span>dinate to all other cr<span class=\"_ _0\"></span>editors to rec<span class=\"_ _0\"></span>eive repayment of deb<span class=\"_ _0\"></span>t in case of the Bank\u2019<span class=\"_ _d\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs15e\">liquidation. Subordinated debt is c<span class=\"_ _0\"></span>arried at amortised cost<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs15f\">Leases<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs160\">The Group as a lessee </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs161\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main leasing activities include the leases of service centr<span class=\"_ _0\"></span>es, A<span class=\"_ _d\"></span>TM spaces and warehouses. A<span class=\"_ _0\"></span> non-cancellable lease period </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs162\">is up to ten <span class=\"_ _0\"></span>years. Lease payments ar<span class=\"_ _0\"></span>e fixed in most cases. <span class=\"_ _0\"></span>The contr<span class=\"_ _0\"></span>acts do not generally c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xtension or termination options f<span class=\"_ _0\"></span>or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs163\">the lease term and do not impose an<span class=\"_ _0\"></span>y covenan<span class=\"_ _0\"></span>ts. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs164\">Rec<span class=\"_ _0\"></span>ognition of right-of-use asse<span class=\"_ _0\"></span>t and lease liability</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs165\">The Group r<span class=\"_ _0\"></span>ecognises a right-of<span class=\"_ _0\"></span>-use asset and a lease liability at the lease commenc<span class=\"_ _0\"></span>ement date at an initial amount of the lease </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs166\">liability adjusted f<span class=\"_ _0\"></span>or lease payments made at or be<span class=\"_ _0\"></span>fore <span class=\"_ _0\"></span>the commencement date. <span class=\"_ _0\"></span>The right-of-use as<span class=\"_ _0\"></span>set is subsequently depr<span class=\"_ _0\"></span>eciated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs167\">using the straigh<span class=\"_ _0\"></span>t-line method over <span class=\"_ _0\"></span>the lease term.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs168\">The lease liability is initially<span class=\"_ _0\"></span> measured at the pr<span class=\"_ _0\"></span>esent value of <span class=\"_ _0\"></span>the future lease payments e<span class=\"_ _0\"></span>xcluding payments <span class=\"_ _0\"></span>for V<span class=\"_ _d\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _5\"></span>, discounted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs169\">using the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s increment<span class=\"_ _0\"></span>al borrowing rate (IBR). <span class=\"_ _0\"></span>The lease liability is subsequently<span class=\"_ _0\"></span> measured at amortised cost using the IBR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs16a\">Rec<span class=\"_ _0\"></span>ognition ex<span class=\"_ _0\"></span>emptions</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs16b\">The Group applies <span class=\"_ _0\"></span>the recognition ex<span class=\"_ _0\"></span>emptions on lease contr<span class=\"_ _0\"></span>acts for which <span class=\"_ _0\"></span>the lease term ends within 12 months as of <span class=\"_ _0\"></span>the date </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs16c\">of initial application, and lease con<span class=\"_ _0\"></span>tracts for<span class=\"_ _0\"></span> which the underlying asset is of low<span class=\"_ _0\"></span> value. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises the lease payments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs16d\">associated with these leases as an oc<span class=\"_ _0\"></span>cupancy and rent e<span class=\"_ _0\"></span>xpense on a straight-line basis o<span class=\"_ _0\"></span>ver the lease term and pr<span class=\"_ _0\"></span>esents them as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs16e\">part of General and administr<span class=\"_ _0\"></span>ative expenses.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs16f\">Modifications of lease c<span class=\"_ _0\"></span>ontracts</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs170\">If the lease contr<span class=\"_ _0\"></span>act is modified by<span class=\"_ _0\"></span> either changing the scope of the lease<span class=\"_ _0\"></span>, or the consider<span class=\"_ _0\"></span>ation for a lease <span class=\"_ _0\"></span>that was not part of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs171\">original terms and conditions of<span class=\"_ _0\"></span> the lease, the Group de<span class=\"_ _0\"></span>termines whether the modification r<span class=\"_ _0\"></span>esults in:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs172\">\u2022 <span class=\"_ _59\"> </span>a separate lease; or<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs173\">\u2022 <span class=\"_ _59\"> </span>a change in the accounting f<span class=\"_ _0\"></span>or the e<span class=\"_ _0\"></span>xisting lease.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws9c gs174\">For <span class=\"_ _0\"></span>the lease modifications that are not ac<span class=\"_ _0\"></span>counted as separate leases, <span class=\"_ _0\"></span>the Group re-measur<span class=\"_ _0\"></span>es the lease liability either b<span class=\"_ _0\"></span>y r<span class=\"_ _0\"></span>ecognising </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs175\">gain or loss r<span class=\"_ _0\"></span>elating to the partial or full <span class=\"_ _0\"></span>termination of the lease or thr<span class=\"_ _0\"></span>ough adjusting respective right-o<span class=\"_ _0\"></span>f-use asset.<span class=\"_ _3e0\"> </span> </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs177\">The Group as a lessor<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs178\">At the incep<span class=\"_ _0\"></span>tion of the lease, the Gr<span class=\"_ _0\"></span>oup classifies each of its leases as either an oper<span class=\"_ _0\"></span>ating lease or a finance lease. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs179\">Finance lease</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17a\">The Group classifies leases <span class=\"_ _0\"></span>that transf<span class=\"_ _0\"></span>er substantially<span class=\"_ _0\"></span> all the risks and benefits incidental to owner<span class=\"_ _0\"></span>ship of the lease item to the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17b\">lessee as finance leases. <span class=\"_ _0\"></span>All other leases are classified as oper<span class=\"_ _0\"></span>ating leases. The Gr<span class=\"_ _0\"></span>oup recognises finance lease r<span class=\"_ _0\"></span>eceivables in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17c\">the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position at a v<span class=\"_ _0\"></span>alue equal to the net investmen<span class=\"_ _0\"></span>t in the lease, starting fr<span class=\"_ _0\"></span>om the date of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17d\">commencement of<span class=\"_ _0\"></span> the lease term. In calculating the pr<span class=\"_ _0\"></span>esent value of <span class=\"_ _0\"></span>the minimum lease payments, the Group uses <span class=\"_ _0\"></span>the interest r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17e\">implicit in the lease as a discount <span class=\"_ _0\"></span>factor<span class=\"_ _d\"></span>. Initial direct costs ar<span class=\"_ _0\"></span>e included in the initial measurement of<span class=\"_ _0\"></span> the finance lease rec<span class=\"_ _0\"></span>eivables. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs17f\">Lease payments rec<span class=\"_ _0\"></span>eived are apportioned between the <span class=\"_ _0\"></span>finance income and the reduction of <span class=\"_ _0\"></span>the outstanding lease receivable<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs180\">Finance income is based on a patt<span class=\"_ _0\"></span>ern reflecting a constant periodic r<span class=\"_ _0\"></span>ate of return on <span class=\"_ _0\"></span>the net investment outstanding. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs181\">Operating lease</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs182\">The Group pr<span class=\"_ _0\"></span>esents assets subject to operating lease<span class=\"_ _0\"></span>s in the consolidated statement of <span class=\"_ _0\"></span>financial position according t<span class=\"_ _0\"></span>o the nature of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs183\">the asset. Lease income fr<span class=\"_ _0\"></span>om operating leases is rec<span class=\"_ _0\"></span>ognised in the consolidated income statement on a str<span class=\"_ _0\"></span>aight-line basis over<span class=\"_ _0\"></span> the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs184\">lease term as net other<span class=\"_ _0\"></span> income.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs185\">Impairment of financial asse<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs186\">Overview of the E<span class=\"_ _0\"></span>CL principles<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs187\">The Group r<span class=\"_ _0\"></span>ecords an allowanc<span class=\"_ _0\"></span>e for E<span class=\"_ _0\"></span>CL f<span class=\"_ _0\"></span>or all loans and other debt financial as<span class=\"_ _0\"></span>sets not held at FVTPL<span class=\"_ _2\"></span>, together with loan </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs188\">commitments and financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts, in this section all referr<span class=\"_ _0\"></span>ed to as \u2018financial assets\u2019<span class=\"_ _38\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs189\">The allowance is based on the E<span class=\"_ _0\"></span>CL associated with a pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (PD) in the next 12 months unle<span class=\"_ _0\"></span>ss there has been a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18a\">significant incr<span class=\"_ _0\"></span>ease in credit risk since origination, in which c<span class=\"_ _0\"></span>ase the allowance is based on the ECL<span class=\"_ _0\"></span> over <span class=\"_ _0\"></span>the life of the asse<span class=\"_ _0\"></span>t (lifetime </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18b\">ECL). If the financial asse<span class=\"_ _0\"></span>t meets the definition of pur<span class=\"_ _0\"></span>chased or originated credit-impair<span class=\"_ _0\"></span>ed (POCI), the allowance is based on the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18c\">change in the lif<span class=\"_ _0\"></span>etime ECL<span class=\"_ _2\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18d\">The Group applies <span class=\"_ _0\"></span>the simplified approach f<span class=\"_ _0\"></span>or trade<span class=\"_ _0\"></span>, lease and other receiv<span class=\"_ _0\"></span>ables and contract assets and r<span class=\"_ _0\"></span>ecords lif<span class=\"_ _0\"></span>etime ECLs </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18e\">on<span class=\"_ gs7d\"> </span>them. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs18f\">In order <span class=\"_ _0\"></span>to calculate ECL, the Group first e<span class=\"_ _0\"></span>valuates whether objective evidenc<span class=\"_ _0\"></span>e of impairment exists f<span class=\"_ _0\"></span>or loans that ar<span class=\"_ _0\"></span>e individually </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs190\">significant. It then collectively<span class=\"_ _0\"></span> assesses loans that are not individually<span class=\"_ _0\"></span> significant and loans which ar<span class=\"_ _0\"></span>e significant but f<span class=\"_ _0\"></span>or which ther<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs191\">is no objective evidence of impairmen<span class=\"_ _0\"></span>t available under the individual assessment.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs192\">Staged appr<span class=\"_ _0\"></span>oach to the determination of<span class=\"_ _0\"></span> ECLs<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs193\">The Group has established a policy<span class=\"_ _0\"></span> to perform an assessmen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, at the end of each r<span class=\"_ _0\"></span>eporting period, of whether a financial asset\u2019<span class=\"_ _d\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs194\">credit risk has incr<span class=\"_ _0\"></span>eased significantly<span class=\"_ _0\"></span> since initial recognition, b<span class=\"_ _0\"></span>y considering the change in <span class=\"_ _0\"></span>the risk of default oc<span class=\"_ _0\"></span>curring over the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs195\">remaining lif<span class=\"_ _0\"></span>e of the financial instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Based on the above pr<span class=\"_ _0\"></span>ocess, the Group gr<span class=\"_ _0\"></span>oups its financial instruments into S<span class=\"_ _0\"></span>tage 1, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs196\">Stage 2, Stage 3 and POCI, as described below:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs197\">\u2022 <span class=\"_ _59\"> </span>Stage 1: The Gr<span class=\"_ _0\"></span>oup recognises a cr<span class=\"_ _0\"></span>edit loss allowance at an amount equal to 12<span class=\"_ _0\"></span>-month ECL<span class=\"_ _2\"></span>. This r<span class=\"_ _0\"></span>epresents the portion of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs198\">lifetime ECL<span class=\"_ _0\"></span> fr<span class=\"_ _0\"></span>om default e<span class=\"_ _0\"></span>vents that are e<span class=\"_ _0\"></span>xpected within 12 months of the r<span class=\"_ _0\"></span>eporting date, assuming that credit risk<span class=\"_ _0\"></span> has not </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs199\">increased significan<span class=\"_ _0\"></span>tly after<span class=\"_ _0\"></span> initial recognition. For<span class=\"_ _0\"></span> those financial assets with a r<span class=\"_ _0\"></span>emaining maturity of less <span class=\"_ _0\"></span>than 12 months, a PD </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19a\">is used that corr<span class=\"_ _0\"></span>esponds to the remaining maturity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19b\">\u2022 <span class=\"_ _59\"> </span>Stage 2: The Gr<span class=\"_ _0\"></span>oup recognises a cr<span class=\"_ _0\"></span>edit loss allowance at an amount equal to lif<span class=\"_ _0\"></span>etime expected cr<span class=\"_ _0\"></span>edit losses (L<span class=\"_ _d\"></span>TECL) for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19c\">those financial instruments <span class=\"_ _0\"></span>which are considered <span class=\"_ _0\"></span>to have experienced a signific<span class=\"_ _0\"></span>ant increase in credit risk<span class=\"_ _0\"></span> since initial recognition. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19d\">This requir<span class=\"_ _0\"></span>es the computation of ECL<span class=\"_ _0\"></span> based on lifetime pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (L<span class=\"_ _d\"></span>TPD) that represen<span class=\"_ _0\"></span>ts the PD occurring over </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19e\">the remaining lif<span class=\"_ _0\"></span>etime of the financial instr<span class=\"_ _0\"></span>ument<span class=\"_ _2\"></span>. Allowanc<span class=\"_ _0\"></span>e for cr<span class=\"_ _0\"></span>edit losses are higher in <span class=\"_ _0\"></span>this stage because of an increase in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs19f\">credit risk and <span class=\"_ _0\"></span>the impact of a longer time horizon being consider<span class=\"_ _0\"></span>ed compared <span class=\"_ _0\"></span>with 12 months in Stage 1. Financial instruments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a0\">in Stage 2 are no<span class=\"_ _0\"></span>t yet deemed t<span class=\"_ _0\"></span>o be credit-impaired.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a1\">\u2022 <span class=\"_ _59\"> </span>Stage 3: If the financial instrumen<span class=\"_ _0\"></span>t is credit-impaired, it is <span class=\"_ _0\"></span>then moved to Stage 3. <span class=\"_ _0\"></span>The Group r<span class=\"_ _0\"></span>ecognises a loss allowance at an </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a2\">amount equal to lif<span class=\"_ _0\"></span>etime ECL, reflecting a PD of 100% for<span class=\"_ _0\"></span> those financial instruments <span class=\"_ _0\"></span>that are credit-impair<span class=\"_ _0\"></span>ed. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a3\">Unless POCI, newly originat<span class=\"_ _0\"></span>ed assets are classified as Stage 1 and r<span class=\"_ _0\"></span>emain in that stage unless ther<span class=\"_ _0\"></span>e is considered to hav<span class=\"_ _0\"></span>e been a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a4\">significant incr<span class=\"_ _0\"></span>ease in credit risk since initial r<span class=\"_ _0\"></span>ecognition, at which point the asset is r<span class=\"_ _0\"></span>eclassified to Stage 2. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a5\">POCI assets are <span class=\"_ _0\"></span>financial instruments that are cr<span class=\"_ _0\"></span>edit-impaired on initial r<span class=\"_ _0\"></span>ecognition. POCI assets are r<span class=\"_ _0\"></span>ecorded at f<span class=\"_ _0\"></span>air value at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a6\">original recognition and in<span class=\"_ _0\"></span>terest income is subsequently<span class=\"_ _0\"></span> recognised based on a cr<span class=\"_ _0\"></span>edit adjusted EIR (CAEIR). CAEIR <span class=\"_ _0\"></span>takes into </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a7\">account all con<span class=\"_ _0\"></span>tractual terms of <span class=\"_ _0\"></span>the financial asset and ECLs. ECLs are only<span class=\"_ _0\"></span> recognised or<span class=\"_ _0\"></span> released to the e<span class=\"_ _0\"></span>xtent that ther<span class=\"_ _0\"></span>e is a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a8\">subsequent change in the ECLs wher<span class=\"_ _0\"></span>e ECLs are calculat<span class=\"_ _0\"></span>ed based on lifetime ECL. Once the financial asset is r<span class=\"_ _0\"></span>ecognised as POCI, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1a9\">it retains <span class=\"_ _0\"></span>this status until derecognised.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1aa\">Ke<span class=\"_ _0\"></span>y judgements and estimate<span class=\"_ _0\"></span>s used in ECL calculation ar<span class=\"_ _0\"></span>e disclosed in Note 4. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs1ac\">Derec<span class=\"_ _0\"></span>ognition of financial assets and liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs1ad\">Derecognition o<span class=\"_ _0\"></span>f financial assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ae\">The Group der<span class=\"_ _0\"></span>ecognises a financial asset (<span class=\"_ _0\"></span>or<span class=\"_ _d\"></span>, where applic<span class=\"_ _0\"></span>able, a part of a financial asset or part of a gr<span class=\"_ _0\"></span>oup of similar financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs1af\">assets) wher<span class=\"_ _0\"></span>e:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b0\">\u2022 <span class=\"_ _59\"> </span>the rights to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom the asset hav<span class=\"_ _0\"></span>e expired; or<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b1\">\u2022 <span class=\"_ _59\"> </span>the Group has tr<span class=\"_ _0\"></span>ansferred its righ<span class=\"_ _0\"></span>ts to receiv<span class=\"_ _0\"></span>e cash flows fr<span class=\"_ _0\"></span>om the asset, or ret<span class=\"_ _0\"></span>ained the right to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b2\">the asset, but has assumed an obligation to pay <span class=\"_ _0\"></span>them in full without material delay<span class=\"_ _0\"></span> to a third party under<span class=\"_ _0\"></span> a \u2018pass-thr<span class=\"_ _0\"></span>ough\u2019 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b3\">arrangement; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b4\">\u2022 <span class=\"_ _59\"> </span>the Group either (<span class=\"_ _d\"></span>a) has transferr<span class=\"_ _0\"></span>ed substantially all <span class=\"_ _0\"></span>the risks and rewar<span class=\"_ _0\"></span>ds of the asset, or (b<span class=\"_ _0\"></span>) has neither transf<span class=\"_ _0\"></span>erred nor<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b5\">retained subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ewards of<span class=\"_ _0\"></span> the asset, but has transferr<span class=\"_ _0\"></span>ed contr<span class=\"_ _0\"></span>ol of the asset.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs1b6\">Derecognition and modific<span class=\"_ _0\"></span>ation of financial assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b7\">The Group sometimes r<span class=\"_ _0\"></span>enegotiates or otherwise modifies the con<span class=\"_ _0\"></span>tractual cash flows of<span class=\"_ _0\"></span> financial assets. When this happens, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b8\">the Group assesses <span class=\"_ _0\"></span>whether or not the new<span class=\"_ _0\"></span> terms are substan<span class=\"_ _0\"></span>tially diff<span class=\"_ _0\"></span>erent to <span class=\"_ _0\"></span>the original terms, based on qualitative and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1b9\">quantitative criteria. <span class=\"_ _0\"></span>The Group der<span class=\"_ _0\"></span>ecognises a financial asset, such as a loan to a customer<span class=\"_ _d\"></span>, when the terms and c<span class=\"_ _0\"></span>onditions have </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ba\">been renegotiated <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that<span class=\"_ _2\"></span>, substantially<span class=\"_ _d\"></span>, it becomes a new loan, e<span class=\"_ _0\"></span>xcept in cases <span class=\"_ _0\"></span>when renegotiation of con<span class=\"_ _0\"></span>tractual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1bb\">terms happens due to financial dif<span class=\"_ _0\"></span>ficulties of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _d\"></span>. Once the financial asset is der<span class=\"_ _0\"></span>ecognised, the diff<span class=\"_ _0\"></span>erence is r<span class=\"_ _0\"></span>ecognised as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1bc\">a derecognition gain or<span class=\"_ _0\"></span> loss, to the ext<span class=\"_ _0\"></span>ent that an impairment loss has not alr<span class=\"_ _0\"></span>eady been rec<span class=\"_ _0\"></span>orded. The ne<span class=\"_ _0\"></span>wly rec<span class=\"_ _0\"></span>ognised loans are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1bd\">classified as Stage 1 f<span class=\"_ _0\"></span>or ECL<span class=\"_ _0\"></span> measurement purposes, unless the new<span class=\"_ _0\"></span> loan is deemed to be POCI.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1be\">The Group applies der<span class=\"_ _0\"></span>ecognition of the financial asse<span class=\"_ _0\"></span>t if any o<span class=\"_ _0\"></span>f the follo<span class=\"_ _0\"></span>wing criteria are met: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1bf\">\u2022 <span class=\"_ _59\"> </span>Change in currency o<span class=\"_ _0\"></span>f the loan. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c0\">\u2022 <span class=\"_ _59\"> </span>Change in interest r<span class=\"_ _0\"></span>ate type.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c1\">\u2022 <span class=\"_ _59\"> </span>Introduction of an equity<span class=\"_ _0\"></span> featur<span class=\"_ _0\"></span>e.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c2\">\u2022 <span class=\"_ _59\"> </span>Change in counterparty<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c3\">If the terms ar<span class=\"_ _0\"></span>e not substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent, or the renegotiation is due <span class=\"_ _0\"></span>to the financial difficulties of <span class=\"_ _0\"></span>the borrower<span class=\"_ _5\"></span>, such renegotiation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c4\">or modification does not r<span class=\"_ _0\"></span>esult in derecognition, and <span class=\"_ _0\"></span>the Group recalculat<span class=\"_ _0\"></span>es the gross carrying amount based on the r<span class=\"_ _0\"></span>evised </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c5\">cash flows of<span class=\"_ _0\"></span> the financial asset and rec<span class=\"_ _0\"></span>ognises a modification gain or loss in inter<span class=\"_ _0\"></span>est income. The ne<span class=\"_ _0\"></span>w gross carrying amount is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c6\">calculated by<span class=\"_ _0\"></span> discounting the modified c<span class=\"_ _0\"></span>ash flows at the original EIR.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs1c7\">Forbear<span class=\"_ _0\"></span>ance and modified loans<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c8\">The Group sometimes mak<span class=\"_ _0\"></span>es concessions or modific<span class=\"_ _0\"></span>ations to the original terms of <span class=\"_ _0\"></span>the loans as a response to the borr<span class=\"_ _0\"></span>ower\u2019<span class=\"_ _0\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1c9\">financial difficulties, r<span class=\"_ _0\"></span>ather than taking possession or<span class=\"_ _0\"></span> otherwise enfor<span class=\"_ _0\"></span>cing collection of collateral. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>s a loan </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ca\">forborne <span class=\"_ _0\"></span>when such concessions or modifications ar<span class=\"_ _0\"></span>e provided as a r<span class=\"_ _0\"></span>esult of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s present or<span class=\"_ _0\"></span> expected financial difficulties </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1cb\">and the Group <span class=\"_ _0\"></span>would not have agreed <span class=\"_ _0\"></span>to them if the borro<span class=\"_ _0\"></span>wer had been financially<span class=\"_ _0\"></span> healthy<span class=\"_ _d\"></span>. Forbearance may<span class=\"_ _0\"></span> involve e<span class=\"_ _0\"></span>xtending </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1cc\">the payment arrangemen<span class=\"_ _0\"></span>ts and the agreement of ne<span class=\"_ _0\"></span>w loan conditions. Once the t<span class=\"_ _0\"></span>erms have been renegotiated, an<span class=\"_ _0\"></span>y impairment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1cd\">is measured using the original EIR as c<span class=\"_ _0\"></span>alculated befor<span class=\"_ _0\"></span>e the modification of terms. Onc<span class=\"_ _0\"></span>e the asset has been identified as f<span class=\"_ _0\"></span>orborne, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ce\">the assets are classified in S<span class=\"_ _0\"></span>tage 3. The decision as to how<span class=\"_ _0\"></span> long the asset remains in <span class=\"_ _0\"></span>the forborne category is determined on a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1cf\">case-by<span class=\"_ _0\"></span>-case basis for<span class=\"_ _0\"></span> commercial and SME loans, when a minimum six<span class=\"_ _0\"></span> consecutive payments are r<span class=\"_ _0\"></span>equired f<span class=\"_ _0\"></span>or the r<span class=\"_ _0\"></span>est of the loans </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d0\">to exit f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>forbearanc<span class=\"_ _0\"></span>e categor<span class=\"_ _2\"></span>y and <span class=\"_ _0\"></span>transfer<span class=\"_ _0\"></span> to Stage 2. Once the loan is tr<span class=\"_ _0\"></span>ansferred <span class=\"_ _0\"></span>to Stage 2, the Group con<span class=\"_ _0\"></span>tinues to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d1\">reassess <span class=\"_ _0\"></span>whether there has been a signific<span class=\"_ _0\"></span>ant increase in credit risk, how<span class=\"_ _0\"></span>ever<span class=\"_ _d\"></span>, such assets remain in Stage 2 <span class=\"_ _0\"></span>for a minimum 12-mon<span class=\"_ _0\"></span>th </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d2\">probation period bef<span class=\"_ _0\"></span>ore being tr<span class=\"_ _0\"></span>ansferr<span class=\"_ _0\"></span>ed to Stage 1. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs1d3\">Derecognition o<span class=\"_ _0\"></span>f financial liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d4\">The Group der<span class=\"_ _0\"></span>ecognises a financial liability <span class=\"_ _0\"></span>when the obligation under the liability is dischar<span class=\"_ _0\"></span>ged, cancelled or e<span class=\"_ _0\"></span>xpires.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d5\">Where an e<span class=\"_ _0\"></span>xisting financial liability is r<span class=\"_ _0\"></span>eplaced by<span class=\"_ _0\"></span> another fr<span class=\"_ _0\"></span>om the same lender on substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent terms, or <span class=\"_ _0\"></span>the terms </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d6\">of an existing liability<span class=\"_ _0\"></span> are substantially<span class=\"_ _0\"></span> modified, such an ex<span class=\"_ _0\"></span>change or modification is tr<span class=\"_ _0\"></span>eated as a derecognition of <span class=\"_ _0\"></span>the original </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d7\">liability and the r<span class=\"_ _0\"></span>ecognition of a new liability<span class=\"_ _d\"></span>, and the diff<span class=\"_ _0\"></span>erence in <span class=\"_ _0\"></span>the respective carrying amounts is recognised in <span class=\"_ _0\"></span>the consolidated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1d8\">income<span class=\"_ gs7d\"> </span>statement. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs1d9\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1da\">All repossessed land and buildings <span class=\"_ _0\"></span>were pre<span class=\"_ _0\"></span>viously classified as Investmen<span class=\"_ _0\"></span>t Properties at initial recognition giv<span class=\"_ _0\"></span>en these assets were </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1db\">managed with a view<span class=\"_ _0\"></span> of capital appreciation or<span class=\"_ _0\"></span> earning a rental income<span class=\"_ _0\"></span>. Commencing fr<span class=\"_ _0\"></span>om 2022, the Group updated its property </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1dc\">management strategy<span class=\"_ _0\"></span> and decided to mov<span class=\"_ _0\"></span>e the majority of the r<span class=\"_ _0\"></span>ealisations of such properties at a quick<span class=\"_ _0\"></span>er pace. Respectiv<span class=\"_ _0\"></span>ely<span class=\"_ _0\"></span>, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1dd\">all repossessed c<span class=\"_ _0\"></span>ollaterals, including land and buildings, are no<span class=\"_ _0\"></span>w classified either as Investment Pr<span class=\"_ _0\"></span>operties or For<span class=\"_ _0\"></span>eclosed Assets </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1de\">depending the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s intention in r<span class=\"_ _0\"></span>espect of recov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y of <span class=\"_ _0\"></span>these assets.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1df\">For<span class=\"_ _0\"></span>eclosed assets are valued at <span class=\"_ _0\"></span>the lower of co<span class=\"_ _0\"></span>st and net realisable value<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e0\">The majority of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s for<span class=\"_ _0\"></span>eclosed assets consists of the r<span class=\"_ _0\"></span>eal estate assets r<span class=\"_ _0\"></span>epossessed during recovery o<span class=\"_ _0\"></span>f defaulted loans. Such </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e1\">assets are specific and not or<span class=\"_ _0\"></span>dinarily in<span class=\"_ _0\"></span>terchangeable, r<span class=\"_ _0\"></span>espectively the Gr<span class=\"_ _0\"></span>oup applies specific identification of their<span class=\"_ _0\"></span> individual costs. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e2\">Realisation gain/loss f<span class=\"_ _0\"></span>rom above asse<span class=\"_ _0\"></span>ts are included under Net other<span class=\"_ _0\"></span> gains/(losses) in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated income statement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs1e4\">Non-current as<span class=\"_ _0\"></span>sets held for sale </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e5\">The Group classifies non-curr<span class=\"_ _0\"></span>ent assets and disposal groups as held <span class=\"_ _0\"></span>for sale if <span class=\"_ _0\"></span>their carrying amounts will be recov<span class=\"_ _0\"></span>ered principally<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e6\">through a sale tr<span class=\"_ _0\"></span>ansaction rather <span class=\"_ _0\"></span>than through continuing use<span class=\"_ _0\"></span>. Non-current assets and disposal gr<span class=\"_ _0\"></span>oups classified as held for sale ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e7\">measured at the lo<span class=\"_ _0\"></span>wer of their c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount and f<span class=\"_ _0\"></span>air value less costs <span class=\"_ _0\"></span>to sell.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e8\">Assets and liabilities classified as held f<span class=\"_ _0\"></span>or sale are pr<span class=\"_ _0\"></span>esented separately<span class=\"_ _0\"></span> fr<span class=\"_ _0\"></span>om other assets and liabilities in the statemen<span class=\"_ _0\"></span>t of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1e9\">financial<span class=\"_ gs7d\"> </span>position.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs1ea\">T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1eb\">The Group calculat<span class=\"_ _0\"></span>es the current income <span class=\"_ _0\"></span>tax expense in accor<span class=\"_ _0\"></span>dance with the r<span class=\"_ _0\"></span>egulations in for<span class=\"_ _0\"></span>ce in the r<span class=\"_ _0\"></span>espective territories in which </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ec\">BOGG and its subsidiaries operate<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ed\">Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e calculated in respect of <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences using the liability<span class=\"_ _0\"></span> method. Deferr<span class=\"_ _0\"></span>ed income </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ee\">taxes ar<span class=\"_ _0\"></span>e provided f<span class=\"_ _0\"></span>or all tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising between the tax bases of<span class=\"_ _0\"></span> assets and liabilities and their carrying values f<span class=\"_ _0\"></span>or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1ef\">financial reporting purposes. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f0\">The Group r<span class=\"_ _0\"></span>ecognises a deferr<span class=\"_ _0\"></span>ed tax asset only<span class=\"_ _0\"></span> to the e<span class=\"_ _0\"></span>xtent that it is probable <span class=\"_ _0\"></span>that taxable pr<span class=\"_ _0\"></span>ofit will be available against which </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f1\">the deductible temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es can be utilised. Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e measured at tax r<span class=\"_ _0\"></span>ates that are e<span class=\"_ _0\"></span>xpected </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f2\">to apply <span class=\"_ _0\"></span>to the period when the asset is r<span class=\"_ _0\"></span>ealised or the liability is set<span class=\"_ _0\"></span>tled, based on tax rates <span class=\"_ _0\"></span>that have been enacted or substantively<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f3\">enacted at the reporting date. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f4\">Deferr<span class=\"_ _0\"></span>ed tax liabilities ar<span class=\"_ _0\"></span>e provided on tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising on investments in subsidiaries, associates and joint <span class=\"_ _0\"></span>ventures, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f5\">ex<span class=\"_ _0\"></span>cept where <span class=\"_ _0\"></span>the timing of the r<span class=\"_ _0\"></span>eversal of the <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erence c<span class=\"_ _0\"></span>an be controlled and it is pr<span class=\"_ _0\"></span>obable that the tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs1f6\">diff<span class=\"_ _0\"></span>erence will not rev<span class=\"_ _0\"></span>erse in the foreseeable f<span class=\"_ _0\"></span>uture.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f7\">Georgia and Belarus also have <span class=\"_ _0\"></span>various operating tax<span class=\"_ _0\"></span>es that are asses<span class=\"_ _0\"></span>sed on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities. These tax<span class=\"_ _0\"></span>es are included as a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1f8\">component of other<span class=\"_ _0\"></span> operating expenses. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws9 gs1f9\">Uncertain tax positions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1fa\">The Group r<span class=\"_ _0\"></span>eassesses uncertain tax positions at the end of<span class=\"_ _0\"></span> each reporting period. The assessment is based on <span class=\"_ _0\"></span>the interpretation of<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1fb\">the tax laws that hav<span class=\"_ _0\"></span>e been enacted or substantively<span class=\"_ _0\"></span> enacted by the end o<span class=\"_ _0\"></span>f reporting period and any<span class=\"_ _0\"></span> known court or other rulings </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1fc\">on such issues. Liabilities are r<span class=\"_ _0\"></span>ecorded f<span class=\"_ _0\"></span>or income t<span class=\"_ _0\"></span>ax positions that are determined as mor<span class=\"_ _0\"></span>e likely<span class=\"_ _0\"></span> than not to r<span class=\"_ _0\"></span>esult in additional tax </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1fd\">levied if the positions <span class=\"_ _0\"></span>were to be challenged b<span class=\"_ _0\"></span>y the tax<span class=\"_ _0\"></span> authorities. Liabilities for penalties, in<span class=\"_ _0\"></span>terest and tax<span class=\"_ _0\"></span>es other than on income </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs1fe\">are r<span class=\"_ _0\"></span>ecognised based on the best estimate of <span class=\"_ _0\"></span>the expenditure r<span class=\"_ _0\"></span>equired to set<span class=\"_ _0\"></span>tle the obligations at the end of the r<span class=\"_ _0\"></span>eporting period.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs1ff\">Inv<span class=\"_ _0\"></span>estment properties<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs200\">The Group r<span class=\"_ _0\"></span>ecognises investment pr<span class=\"_ _0\"></span>operty initially at c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, including transaction costs, and subsequen<span class=\"_ _0\"></span>tly remeasur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs201\">reflecting mark<span class=\"_ _0\"></span>et conditions at the end of the r<span class=\"_ _0\"></span>eporting period. Fair v<span class=\"_ _0\"></span>alue of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s investment pr<span class=\"_ _0\"></span>operty is determined on the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs202\">basis of various sour<span class=\"_ _0\"></span>ces including reports of independen<span class=\"_ _0\"></span>t appraisers, who hold a r<span class=\"_ _0\"></span>ecognised and relev<span class=\"_ _0\"></span>ant prof<span class=\"_ _0\"></span>essional qualification </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs203\">and who have r<span class=\"_ _0\"></span>ecent experience in <span class=\"_ _0\"></span>valuation of property<span class=\"_ _0\"></span> of similar location and category<span class=\"_ _d\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs204\">Gains and losses resulting f<span class=\"_ _0\"></span>rom changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of investment pr<span class=\"_ _0\"></span>operty as well as earned ren<span class=\"_ _0\"></span>tal income are r<span class=\"_ _0\"></span>ecorded in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs205\">income statement within ne<span class=\"_ _0\"></span>t other income.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs206\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs207\">The Group r<span class=\"_ _0\"></span>ecords pr<span class=\"_ _0\"></span>operty and equipment at cost less accumulated depr<span class=\"_ _0\"></span>eciation and any ac<span class=\"_ _0\"></span>cumulated impairment in value. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs208\">Depreciation of an asse<span class=\"_ _0\"></span>t commences fr<span class=\"_ _0\"></span>om the date the asset is r<span class=\"_ _0\"></span>eady and available f<span class=\"_ _0\"></span>or use. Depr<span class=\"_ _0\"></span>eciation is calculated on a straight<span class=\"_ _0\"></span>-<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs209\">line basis over <span class=\"_ _0\"></span>the following estimated use<span class=\"_ _0\"></span>ful lives:<span class=\"_ _3e0\"> </span></div><div class=\"gs20a\"><table class=\"s w374 h109\" id=\"_dedb9e3d-14a2-4665-b6f4-a522b67e45ce\"><tr><td></td><td class=\"t m1 x5de h77 y4bed ffb fs1d fc1 sc0 ls0 ws0\">Y<span class=\"_ _d\"></span>ears<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bee w375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office buildings and service centr<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5df y4bee w376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Up to 100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Furnitur<span class=\"_ _0\"></span>e and fixtures<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e0 y4bef w378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Computers and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e1 y4ac9 w37a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w37b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws37\">Motor vehicles<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e2 y4aa3 w1f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls86 wsc1\">2<span class=\"_ _39\"></span>-7<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs20b\">The assets\u2019 r<span class=\"_ _0\"></span>esidual values, useful lives and methods ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed, and adjusted as appropriate, at each <span class=\"_ _0\"></span>financial year-end. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs20c\">Assets under construction ar<span class=\"_ _0\"></span>e stated at cost and are no<span class=\"_ _0\"></span>t depreciated until the <span class=\"_ _0\"></span>time they<span class=\"_ _0\"></span> are available f<span class=\"_ _0\"></span>or use and reclassified t<span class=\"_ _0\"></span>o </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs20d\">their re<span class=\"_ _0\"></span>spective group of pr<span class=\"_ _0\"></span>opert<span class=\"_ _2\"></span>y and equipment.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs20e\">Leasehold improv<span class=\"_ _0\"></span>ements are depr<span class=\"_ _0\"></span>eciated over the shorter lif<span class=\"_ _0\"></span>e of the r<span class=\"_ _0\"></span>elated leased asset and the expected lease t<span class=\"_ _0\"></span>erm.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs20f\">Costs relat<span class=\"_ _0\"></span>ed to repairs and r<span class=\"_ _0\"></span>enewals are char<span class=\"_ _0\"></span>ged when incurred and included in other<span class=\"_ _0\"></span> operating expenses, unless <span class=\"_ _0\"></span>they qualify<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs210\">capitalisation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs211\">Goodwill impairment<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs212\">Goodwill is revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually<span class=\"_ _0\"></span>, or mor<span class=\"_ _0\"></span>e frequen<span class=\"_ _0\"></span>tly if ev<span class=\"_ _0\"></span>ents or changes in circumstanc<span class=\"_ _0\"></span>es indicate that the carrying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs213\">amount may be impair<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs215\">For <span class=\"_ _0\"></span>the purpose of impairment testing, goodwill acquir<span class=\"_ _0\"></span>ed in a business combination is, fr<span class=\"_ _0\"></span>om the acquisition date, alloc<span class=\"_ _0\"></span>ated to each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs216\">of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s cash-generating units, or gr<span class=\"_ _0\"></span>oups of cash-generating units, <span class=\"_ _0\"></span>that are expected to bene<span class=\"_ _0\"></span>fit from <span class=\"_ _0\"></span>the synergies of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs217\">combination, irrespective o<span class=\"_ _0\"></span>f whether other as<span class=\"_ _0\"></span>sets or liabilities of the Gr<span class=\"_ _0\"></span>oup are assigned to those units or<span class=\"_ _0\"></span> groups of units. Each unit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs218\">or group o<span class=\"_ _0\"></span>f units to which the goodwill is so allocat<span class=\"_ _0\"></span>ed:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs219\">\u2022 <span class=\"_ _59\"> </span>represen<span class=\"_ _0\"></span>ts the lowest level <span class=\"_ _0\"></span>within the Group at which the goodwill is monit<span class=\"_ _0\"></span>ored f<span class=\"_ _0\"></span>or internal management purposes; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs21a\">\u2022 <span class=\"_ _59\"> </span>is not larger <span class=\"_ _0\"></span>than a segment as defined in IFRS 8 Operating Segments.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs21b\">Impairment is determined b<span class=\"_ _0\"></span>y assessing the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units), to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs21c\">which the goodwill relat<span class=\"_ _0\"></span>es. Where the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units) is less </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs21d\">than the carrying amount, an impairment loss is recognised. Impairment losses c<span class=\"_ _0\"></span>annot be rever<span class=\"_ _0\"></span>sed in future periods.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs21e\">Intangible assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs21f\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s intangible assets include computer<span class=\"_ _0\"></span> software and lic<span class=\"_ _0\"></span>ences. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs220\">Intangible assets acquir<span class=\"_ _0\"></span>ed separately<span class=\"_ _0\"></span> are initially<span class=\"_ _0\"></span> measured at cost and subsequently<span class=\"_ _0\"></span> carried at cost less any<span class=\"_ _0\"></span> accumulated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs221\">amortisation and any ac<span class=\"_ _0\"></span>cumulated impairment losses. The economic liv<span class=\"_ _0\"></span>es of intangible assets ar<span class=\"_ _0\"></span>e assessed to be finite and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs222\">amortised over f<span class=\"_ _0\"></span>our to 15 <span class=\"_ _0\"></span>years and assessed f<span class=\"_ _0\"></span>or impairment whenev<span class=\"_ _0\"></span>er there is an indic<span class=\"_ _0\"></span>ation that the intangible asset may<span class=\"_ _0\"></span> be </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs223\">impaired. <span class=\"_ _0\"></span>Amortisation periods and methods for int<span class=\"_ _0\"></span>angible assets are re<span class=\"_ _0\"></span>viewed at least at each financial y<span class=\"_ _0\"></span>ear-end. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs224\">Costs associated with maint<span class=\"_ _0\"></span>aining computer softwar<span class=\"_ _0\"></span>e progr<span class=\"_ _0\"></span>ammes are rec<span class=\"_ _0\"></span>orded as an expense as incurr<span class=\"_ _0\"></span>ed. Softwar<span class=\"_ _0\"></span>e development </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs225\">costs (relating <span class=\"_ _0\"></span>to the design and testing of ne<span class=\"_ _0\"></span>w or substantially<span class=\"_ _0\"></span> improved sof<span class=\"_ _0\"></span>tware<span class=\"_ _0\"></span>) are r<span class=\"_ _0\"></span>ecognised as intangible assets.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs226\">Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs227\">The Group r<span class=\"_ _0\"></span>ecognises provisions <span class=\"_ _0\"></span>when it has a present legal or c<span class=\"_ _0\"></span>onstructive obligation as a result of past ev<span class=\"_ _0\"></span>ents, and it is probable </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs228\">that an outflow of<span class=\"_ _0\"></span> resources embodying ec<span class=\"_ _0\"></span>onomic benefits will be requir<span class=\"_ _0\"></span>ed to settle the obligation and a r<span class=\"_ _0\"></span>eliable estimate of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs229\">amount of obligation can be made<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws7 gs22a\">Share-based payment tr<span class=\"_ _0\"></span>ansactions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs22b\">Employees (including senior<span class=\"_ _0\"></span> executiv<span class=\"_ _0\"></span>es) of the Gr<span class=\"_ _0\"></span>oup receive shar<span class=\"_ _0\"></span>e-based remuneration, <span class=\"_ _0\"></span>whereby<span class=\"_ _0\"></span> they<span class=\"_ _0\"></span> render services and r<span class=\"_ _0\"></span>eceive </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs22c\">equity instruments o<span class=\"_ _0\"></span>f the Group (\u2018<span class=\"_ _d\"></span>equity-settled transactions\u2019) as c<span class=\"_ _0\"></span>onsideration f<span class=\"_ _0\"></span>or the services provided.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws9 gs22d\">Equity-s<span class=\"_ _0\"></span>ettled transactions </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs22e\">The cost of equity-se<span class=\"_ _0\"></span>ttled transactions with emplo<span class=\"_ _0\"></span>yees is measured b<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e to the f<span class=\"_ _0\"></span>air value at the date on <span class=\"_ _0\"></span>which they<span class=\"_ _0\"></span> are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs22f\">granted. <span class=\"_ _0\"></span>The awards of<span class=\"_ _0\"></span> shares in monetary terms ar<span class=\"_ _0\"></span>e measured b<span class=\"_ _0\"></span>y ref<span class=\"_ _0\"></span>erence <span class=\"_ _0\"></span>to the monetary value (<span class=\"_ _d\"></span>as awarded) adjusted f<span class=\"_ _0\"></span>or the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs230\">time value of mone<span class=\"_ _0\"></span>y wher<span class=\"_ _0\"></span>e necessary<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs231\">The cost of equity-se<span class=\"_ _0\"></span>ttled transactions is r<span class=\"_ _0\"></span>ecognised together with <span class=\"_ _0\"></span>the corresponding incr<span class=\"_ _0\"></span>ease in equity as part of additional paid-<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs232\">in capital, over<span class=\"_ _0\"></span> the period in which the performanc<span class=\"_ _0\"></span>e and/<span class=\"_ _d\"></span>or service conditions are f<span class=\"_ _0\"></span>ulfilled, ending on the date when the r<span class=\"_ _0\"></span>elevant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs233\">employee is <span class=\"_ _0\"></span>fully entitled <span class=\"_ _0\"></span>to the award (\u2018the vesting dat<span class=\"_ _0\"></span>e\u2019). The subsequen<span class=\"_ _0\"></span>t holding period does not imply any<span class=\"_ _0\"></span> employment service </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs234\">provision <span class=\"_ _0\"></span>from the shar<span class=\"_ _0\"></span>e recipient side<span class=\"_ _0\"></span>, theref<span class=\"_ _0\"></span>ore it does not aff<span class=\"_ _0\"></span>ect the expense r<span class=\"_ _0\"></span>ecognition period. The consolidat<span class=\"_ _0\"></span>ed income </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs235\">statement char<span class=\"_ _0\"></span>ge or credit f<span class=\"_ _0\"></span>or the period r<span class=\"_ _0\"></span>epresents the mov<span class=\"_ _0\"></span>ement in cumulative expense r<span class=\"_ _0\"></span>ecognised as at the beginning and end of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs236\">that period.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs237\">Where the <span class=\"_ _0\"></span>terms of an equity-settled awar<span class=\"_ _0\"></span>d are modified, the Gr<span class=\"_ _0\"></span>oup recognises the minimum e<span class=\"_ _0\"></span>xpense as if the terms had not been </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs238\">modified. An additional e<span class=\"_ _0\"></span>xpense is recognised f<span class=\"_ _0\"></span>or any<span class=\"_ _0\"></span> modification that increases <span class=\"_ _0\"></span>the total f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>the share-based payment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs239\">arrangement, or is otherwise beneficial to <span class=\"_ _0\"></span>the employee as measured at <span class=\"_ _0\"></span>the date of the modification.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23a\">Where a new<span class=\"_ _0\"></span> equity-settled award is designat<span class=\"_ _0\"></span>ed as a replacement of a c<span class=\"_ _0\"></span>ancelled equity-settled awar<span class=\"_ _0\"></span>d, the replacement o<span class=\"_ _0\"></span>f equity </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23b\">instruments ar<span class=\"_ _0\"></span>e accounted f<span class=\"_ _0\"></span>or as a modification. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23c\">Where the Gr<span class=\"_ _0\"></span>oup cancels an equity-set<span class=\"_ _0\"></span>tled award, it is tr<span class=\"_ _0\"></span>eated as if it has vested on the date o<span class=\"_ _0\"></span>f cancellation, and any<span class=\"_ _0\"></span> expense </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23d\">not y<span class=\"_ _0\"></span>et recognised f<span class=\"_ _0\"></span>or the awar<span class=\"_ _0\"></span>d is recognised immediately<span class=\"_ _d\"></span>. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, if a new award is substituted <span class=\"_ _0\"></span>for the c<span class=\"_ _0\"></span>ancelled award, and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23e\">designated as the r<span class=\"_ _0\"></span>eplacement award on the dat<span class=\"_ _0\"></span>e that it is granted, the c<span class=\"_ _0\"></span>ancelled and the new awar<span class=\"_ _0\"></span>ds are tr<span class=\"_ _0\"></span>eated as if they<span class=\"_ _0\"></span> wer<span class=\"_ _0\"></span>e a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs23f\">modification of the original aw<span class=\"_ _0\"></span>ard, as described in the pr<span class=\"_ _0\"></span>evious paragraph.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs240\">Equity<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs241\">Share capit<span class=\"_ _0\"></span>al<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs242\">Ordinary shar<span class=\"_ _0\"></span>es are classified as equity<span class=\"_ _d\"></span>. External costs directly<span class=\"_ _0\"></span> attributable to the issue of ne<span class=\"_ _0\"></span>w shares, other <span class=\"_ _0\"></span>than on a business </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs243\">combination, are sho<span class=\"_ _0\"></span>wn as a deduction from the pr<span class=\"_ _0\"></span>oceeds in equity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs244\">Additional paid-in capit<span class=\"_ _0\"></span>al<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs245\">Any<span class=\"_ _0\"></span> exc<span class=\"_ _0\"></span>ess of the f<span class=\"_ _0\"></span>air value of c<span class=\"_ _0\"></span>onsideration receiv<span class=\"_ _0\"></span>ed over the par<span class=\"_ _0\"></span> value of shar<span class=\"_ _0\"></span>es issued is recognised as additional paid-in capital. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs246\">Further<span class=\"_ _d\"></span>, the eff<span class=\"_ _0\"></span>ects of share-based payments ar<span class=\"_ _0\"></span>e also recognised as part of <span class=\"_ _0\"></span>the additional paid-in capital. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs247\">T<span class=\"_ _d\"></span>reasur<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs248\">Where BOGG or its sub<span class=\"_ _0\"></span>sidiaries purchase BOGG\u2019<span class=\"_ _0\"></span>s shares, <span class=\"_ _0\"></span>the consideration paid, including any<span class=\"_ _0\"></span> attributable tr<span class=\"_ _0\"></span>ansaction costs, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs249\">net of income <span class=\"_ _0\"></span>taxes, is deducted fr<span class=\"_ _0\"></span>om total equity as <span class=\"_ _0\"></span>treasury shares un<span class=\"_ _0\"></span>til they<span class=\"_ _0\"></span> are cancelled or r<span class=\"_ _0\"></span>eissued. Where such shar<span class=\"_ _0\"></span>es </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs24a\">are subsequently<span class=\"_ _0\"></span> sold or r<span class=\"_ _0\"></span>eissued, any consider<span class=\"_ _0\"></span>ation receiv<span class=\"_ _0\"></span>ed is included in equity<span class=\"_ _0\"></span>. T<span class=\"_ _d\"></span>reasury shar<span class=\"_ _0\"></span>es are stated at par <span class=\"_ _0\"></span>value, with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs24b\">adjustment of pr<span class=\"_ _0\"></span>emiums against additional paid-in capital.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs24d\">Dividends </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs24e\">The Group r<span class=\"_ _0\"></span>ecognises dividends as liabilities and deducts them fr<span class=\"_ _0\"></span>om equity at the r<span class=\"_ _0\"></span>eporting date only if the<span class=\"_ _0\"></span>y are declar<span class=\"_ _0\"></span>ed befor<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs24f\">or on the r<span class=\"_ _0\"></span>eporting date and do not require <span class=\"_ _0\"></span>further approv<span class=\"_ _0\"></span>al. Dividends are disclosed when the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>oposed befor<span class=\"_ _0\"></span>e the reporting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs250\">date or pr<span class=\"_ _0\"></span>oposed or declared aft<span class=\"_ _0\"></span>er the reporting date but bef<span class=\"_ _0\"></span>ore the consolidat<span class=\"_ _0\"></span>ed financial statements are authorised <span class=\"_ _0\"></span>for issue. <span class=\"_ _0\"></span>All </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs251\">expenses associated <span class=\"_ _0\"></span>with dividend distribution are added to the dividend amoun<span class=\"_ _0\"></span>t and recorded dir<span class=\"_ _0\"></span>ectly thr<span class=\"_ _0\"></span>ough equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs252\">Contingencies<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs253\">Contingent liabilities ar<span class=\"_ _0\"></span>e not recognised in <span class=\"_ _0\"></span>the consolidated statement of financial position but ar<span class=\"_ _0\"></span>e disclosed, unless the possibility </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs254\">of any<span class=\"_ _0\"></span> outflow in set<span class=\"_ _0\"></span>tlement is remote. <span class=\"_ _0\"></span>A contingent asse<span class=\"_ _0\"></span>t is not recognised in the c<span class=\"_ _0\"></span>onsolidated statement of financial position but </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs255\">disclosed when an inflo<span class=\"_ _0\"></span>w of economic benefits is pr<span class=\"_ _0\"></span>obable.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs256\">Income and e<span class=\"_ _0\"></span>xpense rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs257\">Revenue is r<span class=\"_ _0\"></span>ecognised to the e<span class=\"_ _0\"></span>xtent that it is pr<span class=\"_ _0\"></span>obable that the economic benefits will <span class=\"_ _0\"></span>flow to the Gr<span class=\"_ _0\"></span>oup and the rev<span class=\"_ _0\"></span>enue can be </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs258\">reliably<span class=\"_ _0\"></span> measured. <span class=\"_ _0\"></span>The following specific r<span class=\"_ _0\"></span>ecognition criteria must also be met bef<span class=\"_ _0\"></span>ore re<span class=\"_ _0\"></span>venue and expense ar<span class=\"_ _0\"></span>e recognised:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs259\">Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws9c gs25a\">For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs25b\">For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs25c\">amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs25d\">amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs25e\">a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs25f\">method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs260\">Fee and commis<span class=\"_ _0\"></span>sion income<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs261\">The Group earns f<span class=\"_ _0\"></span>ee and commission income f<span class=\"_ _0\"></span>rom a diverse r<span class=\"_ _0\"></span>ange of services it provides <span class=\"_ _0\"></span>to its customers. Fee and commission </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs262\">income are r<span class=\"_ _0\"></span>ecognised when the Gr<span class=\"_ _0\"></span>oup satisfies a performance obligation. F<span class=\"_ _0\"></span>ee income can be divided into the f<span class=\"_ _0\"></span>ollowing categories:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs263\">Fee income earned <span class=\"_ _0\"></span>from services that ar<span class=\"_ _0\"></span>e provided o<span class=\"_ _0\"></span>ver a certain period of time<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs264\">The Group r<span class=\"_ _0\"></span>ecognises f<span class=\"_ _0\"></span>ees income for<span class=\"_ _0\"></span> the provision of services ov<span class=\"_ _0\"></span>er a period of time ov<span class=\"_ _0\"></span>er that period. These <span class=\"_ _0\"></span>fees include commission </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs265\">incomes and asset management, custody<span class=\"_ _d\"></span>, package services on bundled products and other managemen<span class=\"_ _0\"></span>t and advisor<span class=\"_ _2\"></span>y f<span class=\"_ _0\"></span>ees. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs266\">Loan commitment f<span class=\"_ _0\"></span>ees for<span class=\"_ _0\"></span> loans that are lik<span class=\"_ _0\"></span>ely to be dr<span class=\"_ _0\"></span>awn-down and other cr<span class=\"_ _0\"></span>edit-related f<span class=\"_ _0\"></span>ees are def<span class=\"_ _0\"></span>erred (together<span class=\"_ _0\"></span> with any </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs267\">incremental c<span class=\"_ _0\"></span>osts), and recognised as an adjustmen<span class=\"_ _0\"></span>t to the EIR on the loan.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs268\">Customer lo<span class=\"_ _0\"></span>yalty<span class=\"_ _0\"></span> progr<span class=\"_ _0\"></span>amme </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs269\">Customer lo<span class=\"_ _0\"></span>yalty progr<span class=\"_ _0\"></span>amme points accumulated in the business ar<span class=\"_ _0\"></span>e treated as def<span class=\"_ _0\"></span>erred r<span class=\"_ _0\"></span>evenue and rec<span class=\"_ _0\"></span>ognised in revenues </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs26a\">gradually<span class=\"_ _0\"></span> as they<span class=\"_ _0\"></span> are earned. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises gross re<span class=\"_ _0\"></span>venue earned fr<span class=\"_ _0\"></span>om customer loyalty<span class=\"_ _0\"></span> programmes <span class=\"_ _0\"></span>when the performance </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs26b\">obligation is satisfied, i.e. when <span class=\"_ _0\"></span>the customer redeems the poin<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs26c\">Performanc<span class=\"_ _0\"></span>e obligations satisfied at a point in time </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs26d\">Fees and commissions earned <span class=\"_ _0\"></span>from pr<span class=\"_ _0\"></span>oviding transaction-type services such as settlemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, brok<span class=\"_ _0\"></span>erage, cash and curr<span class=\"_ _0\"></span>ency conv<span class=\"_ _0\"></span>ersion </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs26e\">operations ar<span class=\"_ _0\"></span>e recognised when <span class=\"_ _0\"></span>the ser<span class=\"_ _2\"></span>vice has been completed, pr<span class=\"_ _0\"></span>ovided such f<span class=\"_ _0\"></span>ees and commissions are not subject to r<span class=\"_ _0\"></span>efund or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs26f\">another contingency<span class=\"_ _0\"></span> beyond <span class=\"_ _0\"></span>the control of <span class=\"_ _0\"></span>the Group. F<span class=\"_ _0\"></span>ees from curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version operations r<span class=\"_ _0\"></span>epresent additional commission </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs270\">(<span class=\"_ _0\"></span>other than curr<span class=\"_ _0\"></span>ency dealing rev<span class=\"_ _0\"></span>enue recognised in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain) char<span class=\"_ _0\"></span>ged on currency con<span class=\"_ _0\"></span>version service provided <span class=\"_ _0\"></span>to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs271\">customers on car<span class=\"_ _0\"></span>ds used abroad.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs272\">Dividend income<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs273\">Dividend rev<span class=\"_ _0\"></span>enue is recognised when the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the payment is established.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs274\">Non-recurring items </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs275\">The Group separ<span class=\"_ _0\"></span>ately classifies and discloses <span class=\"_ _0\"></span>those income and expenses that ar<span class=\"_ _0\"></span>e non-recurring by<span class=\"_ _0\"></span> nature. <span class=\"_ _0\"></span>The Group defines  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs276\">non-recurring income or<span class=\"_ _0\"></span> expense as an income or e<span class=\"_ _0\"></span>xpense triggered b<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>, or originated from, an ec<span class=\"_ _0\"></span>onomic, business or financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs277\">event <span class=\"_ _0\"></span>that is not inherent to <span class=\"_ _0\"></span>the regular and or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y business cour<span class=\"_ _0\"></span>se of the Group and is caused b<span class=\"_ _0\"></span>y uncertain or<span class=\"_ _0\"></span> unpredictable </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs278\">external f<span class=\"_ _0\"></span>actors that cannot be r<span class=\"_ _0\"></span>easonably e<span class=\"_ _0\"></span>xpected to occur in the <span class=\"_ _0\"></span>future, and <span class=\"_ _0\"></span>thus should not be taken into ac<span class=\"_ _0\"></span>count when making </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs279\">projections of <span class=\"_ _0\"></span>future r<span class=\"_ _0\"></span>esults.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs27a\">Functional, r<span class=\"_ _0\"></span>eporting currencies and for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> translation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs27b\">The consolidated financial statemen<span class=\"_ _0\"></span>ts are presen<span class=\"_ _0\"></span>ted in Georgian Lari, which is the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s presentation currency<span class=\"_ _d\"></span>. BOGG\u2019<span class=\"_ _d\"></span>s and the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs27c\">Bank\u2019<span class=\"_ _0\"></span>s functional currency<span class=\"_ _0\"></span> is Georgian Lari. Each entity<span class=\"_ _0\"></span> in the Group det<span class=\"_ _0\"></span>ermines its own functional currency<span class=\"_ _0\"></span> and items included in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs27d\">the financial statements of<span class=\"_ _0\"></span> each entity are measur<span class=\"_ _0\"></span>ed using that functional curr<span class=\"_ _0\"></span>ency<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs27e\">T<span class=\"_ _d\"></span>ransactions in for<span class=\"_ _0\"></span>eign currencies ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>orded in the f<span class=\"_ _0\"></span>unctional currency<span class=\"_ _d\"></span>, converted at the rate of<span class=\"_ _0\"></span> exchange ruling at <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs27f\">date of the <span class=\"_ _0\"></span>transaction. Monetary assets and liabilities denominated in f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies are retr<span class=\"_ _0\"></span>anslated into functional curr<span class=\"_ _0\"></span>ency </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs280\">at the functional curr<span class=\"_ _0\"></span>ency rat<span class=\"_ _0\"></span>e of exchange r<span class=\"_ _0\"></span>uling at the reporting date.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs281\">Gains and losses resulting f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>translation of f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency tr<span class=\"_ _0\"></span>ansactions are recognised in the c<span class=\"_ _0\"></span>onsolidated income </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs282\">statement as gains less losses f<span class=\"_ _0\"></span>rom f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies \u2013 translation diff<span class=\"_ _0\"></span>erences. Non-mone<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>y items that ar<span class=\"_ _0\"></span>e measured in terms o<span class=\"_ _0\"></span>f </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs283\">historical cost in a f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency ar<span class=\"_ _0\"></span>e translated using the e<span class=\"_ _0\"></span>xchange rat<span class=\"_ _0\"></span>es as at the dates of the initial tr<span class=\"_ _0\"></span>ansactions. Non-monetary </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs284\">items measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue in a for<span class=\"_ _0\"></span>eign currency ar<span class=\"_ _0\"></span>e translated using <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ates at the date when the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue was </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs285\">determined. When a gain or lo<span class=\"_ _0\"></span>ss on a non-monetar<span class=\"_ _2\"></span>y item is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income, an<span class=\"_ _0\"></span>y ex<span class=\"_ _0\"></span>change component of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs286\">that gain or loss is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income. Conv<span class=\"_ _0\"></span>ersely<span class=\"_ _d\"></span>, when a gain or loss on a non-monetary item is rec<span class=\"_ _0\"></span>ognised </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs287\">in profit or<span class=\"_ _0\"></span> loss, any e<span class=\"_ _0\"></span>xchange component o<span class=\"_ _0\"></span>f that gain or loss is rec<span class=\"_ _0\"></span>ognised in the income statement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs289\">Diff<span class=\"_ _0\"></span>erences between <span class=\"_ _0\"></span>the contractual ex<span class=\"_ _0\"></span>change rate of<span class=\"_ _0\"></span> a certain transaction and the NBG e<span class=\"_ _0\"></span>xchange rate on <span class=\"_ _0\"></span>the date of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs28a\">transaction ar<span class=\"_ _0\"></span>e included in gains less losses from <span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>eign currencies (<span class=\"_ _0\"></span>dealing). The of<span class=\"_ _0\"></span>ficial NBG exchange r<span class=\"_ _0\"></span>ates at 31 December 2023, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs28b\">31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021 were:<span class=\"_ _3e0\"> </span></div><div class=\"gs28c\"><table class=\"s w37c h10a\" id=\"_f1bbc988-8d05-412e-bd39-0b73d078fdc6\"><tr><td></td><td class=\"c n x5e3 y4bf0 w37d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to GBP<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e4 y4bf0 w37e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e5 y4bf0 w37f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e6 y4bf0 w380 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to BYN<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e7 y4bf1 w382 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.4228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e8 y4bf1 w383 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.6894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e9 y4bf1 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9753<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4bf1 w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.8162<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4ac9 w387 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.2581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4ac9 w388 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>.702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ed y4ac9 w389 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.8844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ee y4ac9 w38a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.073<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w38b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ef y4aa3 w38c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>1737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f0 y4aa3 w38d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.097<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f1 y4aa3 w38e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f2 y4aa3 w38f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.2101<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs28d\">As at the reporting date, <span class=\"_ _0\"></span>the assets and liabilities of the entities <span class=\"_ _0\"></span>whose functional currency<span class=\"_ _0\"></span> is differ<span class=\"_ _0\"></span>ent fr<span class=\"_ _0\"></span>om the presentation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs28e\">currency<span class=\"_ _0\"></span> of the Group ar<span class=\"_ _0\"></span>e translated in<span class=\"_ _0\"></span>to Georgian Lari at the r<span class=\"_ _0\"></span>ate of ex<span class=\"_ _0\"></span>change ruling at the reporting date and their<span class=\"_ _0\"></span> income </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs28f\">statements ar<span class=\"_ _0\"></span>e translated at the av<span class=\"_ _0\"></span>erage ex<span class=\"_ _0\"></span>change rates f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>. The ex<span class=\"_ _0\"></span>change diff<span class=\"_ _0\"></span>erences arising on the tr<span class=\"_ _0\"></span>anslation are t<span class=\"_ _0\"></span>aken </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs290\">to other compr<span class=\"_ _0\"></span>ehensive income.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs291\">Any<span class=\"_ _0\"></span> goodwill arising on the acquisition of a f<span class=\"_ _0\"></span>oreign oper<span class=\"_ _0\"></span>ation and any <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue adjustments to the carrying amounts of assets and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs292\">liabilities arising on the acquisition ar<span class=\"_ _0\"></span>e treated as assets and liabilities o<span class=\"_ _0\"></span>f the for<span class=\"_ _0\"></span>eign operations, and tr<span class=\"_ _0\"></span>anslated at the rate at <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs293\">reporting date.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs294\">Adoption of<span class=\"_ _0\"></span> new or r<span class=\"_ _0\"></span>evised standar<span class=\"_ _0\"></span>ds and interpret<span class=\"_ _0\"></span>ations </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs295\">Amendments eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs296\">IFRS 17 Insuranc<span class=\"_ _0\"></span>e Contracts</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs297\">In May 2017<span class=\"_ _5\"></span>, the IASB issued </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs298\">IFRS 17 Insurance C<span class=\"_ _0\"></span>ontracts</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs299\">, which sets out the acc<span class=\"_ _0\"></span>ounting requir<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> contractual rights and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs29a\">obligations that arise f<span class=\"_ _0\"></span>rom insurance c<span class=\"_ _0\"></span>ontracts issued and reinsur<span class=\"_ _0\"></span>ance contr<span class=\"_ _0\"></span>acts held. The Group e<span class=\"_ _0\"></span>valuated whether its con<span class=\"_ _0\"></span>tracts </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs29b\">contain insur<span class=\"_ _0\"></span>ance risk, focusing on performanc<span class=\"_ _0\"></span>e guarantees and concluded <span class=\"_ _0\"></span>that there ar<span class=\"_ _0\"></span>e no material contracts in scope of<span class=\"_ _0\"></span> IFRS </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs29c\">17 considering practical e<span class=\"_ _0\"></span>xpedients available. <span class=\"_ _0\"></span>The amendment had no material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs29d\">statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs29e\">Deferr<span class=\"_ _0\"></span>ed T<span class=\"_ _5\"></span>ax related to Ass<span class=\"_ _0\"></span>ets and Liabilities arising from a Single <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>ransaction \u2013 <span class=\"_ _0\"></span>Amendments to IAS 12 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs29f\">In May 2021 <span class=\"_ _0\"></span>the Board issued </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2a0\">Amendments to IAS 12, \u2018Def<span class=\"_ _0\"></span>erred T<span class=\"_ _5\"></span>ax related to <span class=\"_ _0\"></span>Assets and Liabilities arising fr<span class=\"_ _0\"></span>om a Single </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2a1\">T<span class=\"_ _d\"></span>ransaction\u2019</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2a2\">, that clarify ho<span class=\"_ _0\"></span>w companies account <span class=\"_ _0\"></span>for def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> on transactions such as leases and decommissioning obligations. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2a3\">The amendments narro<span class=\"_ _0\"></span>wed the scope of the r<span class=\"_ _0\"></span>ecognition ex<span class=\"_ _0\"></span>emption in paragr<span class=\"_ _0\"></span>aphs 15 and 24 of IAS 12 so that it no longer applies t<span class=\"_ _0\"></span>o </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2a4\">transactions that, on initial recognition, giv<span class=\"_ _0\"></span>e rise to equal taxable and deductible <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences. <span class=\"_ _0\"></span>The amendment had no </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2a5\">material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statemen<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2a6\">Disclosure of<span class=\"_ _0\"></span> Accounting P<span class=\"_ _0\"></span>olicies \u2013 Amendments to IA<span class=\"_ _0\"></span>S 1 and IFRS Practice Statement<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2a7\">2</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2a8\">. In February 2021, <span class=\"_ _0\"></span>the IASB issued </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs2a9\">amendments to </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2aa\">IAS 1</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ab\"> and </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2ac\">IFRS Practice St<span class=\"_ _0\"></span>atement 2 Making Materiality <span class=\"_ _0\"></span>Judgements</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ad\">, in which it pro<span class=\"_ _0\"></span>vides guidance and ex<span class=\"_ _0\"></span>amples to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ae\">help entities apply<span class=\"_ _0\"></span> materiality judgements to acc<span class=\"_ _0\"></span>ounting policy disclosur<span class=\"_ _0\"></span>es. The amendments aim to help entitie<span class=\"_ _0\"></span>s provide accoun<span class=\"_ _0\"></span>ting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2af\">policy disclosur<span class=\"_ _0\"></span>es that are mor<span class=\"_ _0\"></span>e useful by<span class=\"_ _0\"></span> replacing the r<span class=\"_ _0\"></span>equirement f<span class=\"_ _0\"></span>or entities to disclo<span class=\"_ _0\"></span>se their \u2018signific<span class=\"_ _0\"></span>ant\u2019 accounting policies with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b0\">a requir<span class=\"_ _0\"></span>ement to disclose their \u2018<span class=\"_ _0\"></span>material\u2019 accoun<span class=\"_ _0\"></span>ting policies and adding guidance on how entities apply<span class=\"_ _0\"></span> the concept of materiality<span class=\"_ _0\"></span> in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b1\">making decisions about accounting policy<span class=\"_ _0\"></span> disclosures.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b2\">The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2b3\">Definition of A<span class=\"_ _0\"></span>ccounting Estimates \u2013 Amendmen<span class=\"_ _0\"></span>ts to IAS 8.</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b4\"> In February 2021, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 8, in which it </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b5\">introduc<span class=\"_ _0\"></span>es a definition of \u2018<span class=\"_ _0\"></span>accounting estimates<span class=\"_ _0\"></span>\u2019<span class=\"_ _5\"></span>. The amendments clarify <span class=\"_ _0\"></span>the distinction between changes in accounting estimates </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b6\">and changes in accounting policies and <span class=\"_ _0\"></span>the correction of err<span class=\"_ _0\"></span>ors. Also, the<span class=\"_ _0\"></span>y clarify<span class=\"_ _0\"></span> how entities use measuremen<span class=\"_ _0\"></span>t techniques and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b7\">inputs to develop ac<span class=\"_ _0\"></span>counting estimates. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2b8\">The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2b9\">International <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>ax Reform \u2013 Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo Model Rules<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2ba\">\u2013 Amendments <span class=\"_ _0\"></span>to IAS 12.</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2bb\"> The amendments <span class=\"_ _0\"></span>to IAS 12 have been intr<span class=\"_ _0\"></span>oduced in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2bc\">response t<span class=\"_ _0\"></span>o the OECD\u2019<span class=\"_ _0\"></span>s BEPS Pillar T<span class=\"_ _d\"></span>wo rules and include: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2bd\">\u2022 <span class=\"_ _59\"> </span>A mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception to <span class=\"_ _0\"></span>the recognition and disclosur<span class=\"_ _0\"></span>e of deferr<span class=\"_ _0\"></span>ed taxes arising <span class=\"_ _0\"></span>from the jurisdictional </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2be\">implementation of the Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo model rules; and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2bf\">\u2022 <span class=\"_ _59\"> </span>Disclosure requir<span class=\"_ _0\"></span>ements f<span class=\"_ _0\"></span>or aff<span class=\"_ _0\"></span>ected entities to help users of the <span class=\"_ _0\"></span>financial statements better under<span class=\"_ _0\"></span>stand an entity\u2019s e<span class=\"_ _0\"></span>xposure to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c0\">Pillar <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>wo income tax<span class=\"_ _0\"></span>es arising fr<span class=\"_ _0\"></span>om that legislation, particularly bef<span class=\"_ _0\"></span>ore its eff<span class=\"_ _0\"></span>ective date. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c1\">The mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception \u2013 the use of<span class=\"_ _0\"></span> which is requir<span class=\"_ _0\"></span>ed to be disclosed \u2013 applies immediately<span class=\"_ _d\"></span>. The remaining disclosur<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c2\">requir<span class=\"_ _0\"></span>ements apply f<span class=\"_ _0\"></span>or annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023, but not <span class=\"_ _0\"></span>for an<span class=\"_ _0\"></span>y interim periods ending on or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c3\">befor<span class=\"_ _0\"></span>e 31 December 2023. <span class=\"_ _0\"></span>The amendments had no impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs2c4\">Reclas<span class=\"_ _0\"></span>sifications<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c5\">T<span class=\"_ _d\"></span>o improv<span class=\"_ _0\"></span>e the quality and understandability<span class=\"_ _0\"></span> of its consolidated statement of <span class=\"_ _0\"></span>financial position and consolidated statement of c<span class=\"_ _0\"></span>ash </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c6\">flows, the Gr<span class=\"_ _0\"></span>oup has revisited the pr<span class=\"_ _0\"></span>esentation of f<span class=\"_ _0\"></span>oreclosed assets, in<span class=\"_ _0\"></span>ventories and other assets. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>ed it more </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c7\">appropriate <span class=\"_ _0\"></span>to present f<span class=\"_ _0\"></span>oreclosed assets separ<span class=\"_ _0\"></span>ately f<span class=\"_ _0\"></span>rom other assets and pr<span class=\"_ _0\"></span>esent inven<span class=\"_ _0\"></span>tories within other assets. Compar<span class=\"_ _0\"></span>ative </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2c8\">amounts wer<span class=\"_ _0\"></span>e reclassified in line with the updat<span class=\"_ _0\"></span>ed presentation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ca\">The f<span class=\"_ _0\"></span>ollowing reclassifications w<span class=\"_ _0\"></span>ere made to <span class=\"_ _0\"></span>year ended 31 December 2022 and 31 Dec<span class=\"_ _0\"></span>ember 2021 consolidated statement </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2cb\">of financial position and consolidat<span class=\"_ _0\"></span>ed statement of cash flows <span class=\"_ _0\"></span>to conf<span class=\"_ _0\"></span>orm to the y<span class=\"_ _0\"></span>ear ended 31 December 2023 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2cc\">presentation<span class=\"_ gs7d\"> </span>r<span class=\"_ _0\"></span>equirements:<span class=\"_ _3e0\"> </span></div><div class=\"gs2cd\"><table class=\"s w390 h10b\" id=\"_e0b26fb3-3d36-4d22-bfe5-254d5512690c\"><tr><td></td><td class=\"t m1 x5f3 h77 y4bf2 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4bf3 ffb fs1d fc1 sc0 ls0 ws0\">Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position f<span class=\"_ _0\"></span>or the year<span class=\"_ _0\"></span> ended 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"c n x530 y4bf0 w391 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f4 y4bf0 w392 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f5 y4bf0 w393 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws1d\">For<span class=\"_ _0\"></span>eclosed Assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4bf1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f7 y4bf1 w395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _d\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f8 y4bf1 w396 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f9 y4ac9 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fa y4ac9 w399 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,096)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fc y4aa3 w39b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">317<span class=\"_ _d\"></span>,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fd y4aa3 w39c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,828)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fe y4aa3 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,058<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs2ce\"><table class=\"s w39d h10c\" id=\"_158a66c1-2772-4025-9dad-e81eb785fea7\"><tr><td></td><td class=\"t m1 x5ff h77 y4bf4 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x2c7 h77 y4bf5 ffb fs1d fc1 sc0 ls0 ws0\">Consolidated statemen<span class=\"_ _0\"></span>t of cash flows for<span class=\"_ _0\"></span> the year ended 31 December<span class=\"_ _0\"></span> 2022<span class=\"_ _3e0\"> </span></td><td class=\"c n x600 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x601 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x602 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x2c7 ha0 y4bf7 ff2 fs31 fc1 sc0 ls0 ws0\">Net (increase<span class=\"_ _d\"></span>) decrease in operating assets </td><td></td><td></td><td></td></tr><tr><td class=\"c n x2c3 y4bf8 w39e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments and o<span class=\"_ _0\"></span>ther assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x603 y4bf8 w39f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,612)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x604 y4bf8 w3a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>700<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x605 y4bf8 w3a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>12)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x2c3 y4aa3 w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x606 y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x607 y4aa3 w3a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,7<span class=\"_ _0\"></span>00)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x608 y4aa3 w230 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _0\"></span>700<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs2cf\"><table class=\"s w390 h10c\" id=\"_e59c136b-1890-4ebe-9ebf-33916826c89d\"><tr><td></td><td class=\"t m1 x5f3 h77 y4bf9 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4bfa ffb fs1d fc1 sc0 ls0 ws0\">Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position f<span class=\"_ _0\"></span>or the year<span class=\"_ _0\"></span> ended 31 December 2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x530 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f4 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f5 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws1d\">For<span class=\"_ _0\"></span>eclosed Assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x609 y4bef w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4bef w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w3a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventory<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60b y4ac9 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60c y4ac9 w3a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fc y4aa3 w3a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">246,<span class=\"_ _d\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60e y4aa3 w3a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60f y4aa3 w3a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs2d0\"><table class=\"s w3aa h10c\" id=\"_35880b61-1b5e-4303-be59-35bcecfa822b\"><tr><td></td><td class=\"t m1 x5ff h77 y4bfb ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x2c7 h77 y4bfc ffb fs1d fc1 sc0 ls0 ws0\">Consolidated statemen<span class=\"_ _0\"></span>t of cash flows for<span class=\"_ _0\"></span> the year ended 31 December<span class=\"_ _0\"></span> 2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x600 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x601 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x602 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x2c7 ha0 y4bfd ff2 fs31 fc1 sc0 ls0 ws0\">Net (increase<span class=\"_ _d\"></span>) decrease in operating assets </td><td></td><td></td><td></td></tr><tr><td class=\"c n x2c3 y4ac9 w39e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments and o<span class=\"_ _0\"></span>ther assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x610 y4ac9 w3ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x611 y4ac9 w3ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x612 y4ac9 w3ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>417)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x2c3 y4aa3 w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x606 y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x613 y4aa3 w3ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>907)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x614 y4aa3 w231 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>907)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs2d1\">Standar<span class=\"_ _0\"></span>ds issued but not y<span class=\"_ _0\"></span>et eff<span class=\"_ _0\"></span>ective<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d2\">The new and amended standar<span class=\"_ _0\"></span>ds and interpretations <span class=\"_ _0\"></span>that are issued, but not <span class=\"_ _0\"></span>yet eff<span class=\"_ _0\"></span>ective, up to the date of<span class=\"_ _0\"></span> issuance of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d3\">Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements ar<span class=\"_ _0\"></span>e disclosed below<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup intends to adopt these ne<span class=\"_ _0\"></span>w and amended standards and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d4\">interpre<span class=\"_ _0\"></span>tations, if applicable, when the<span class=\"_ _0\"></span>y become e<span class=\"_ _0\"></span>ffective.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs2d5\">IAS 1 Pre<span class=\"_ _0\"></span>sentation of Financial St<span class=\"_ _0\"></span>atements<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d6\">In January 20<span class=\"_ _0\"></span>20 and July<span class=\"_ _0\"></span> 2020, the IASB issued amendments <span class=\"_ _0\"></span>to IAS 1 \u2018Presentation o<span class=\"_ _0\"></span>f Financial Statements: Classification of<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d7\">Liabilities as Current or<span class=\"_ _0\"></span> Non-Current\u2019<span class=\"_ _38\"></span>. They<span class=\"_ _0\"></span> clarify that the classific<span class=\"_ _0\"></span>ation of liabilities as current or<span class=\"_ _0\"></span> non-current should be based </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d8\">on rights that ar<span class=\"_ _0\"></span>e in existence at the end of<span class=\"_ _0\"></span> the reporting period. The amendmen<span class=\"_ _0\"></span>ts also clarify that classification is unaf<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2d9\">expectations about whether<span class=\"_ _0\"></span> an entity will e<span class=\"_ _0\"></span>xercise its righ<span class=\"_ _0\"></span>t to defer<span class=\"_ _0\"></span> settlement of a liability and mak<span class=\"_ _0\"></span>e clear that set<span class=\"_ _0\"></span>tlement ref<span class=\"_ _0\"></span>ers to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2da\">the transf<span class=\"_ _0\"></span>er to <span class=\"_ _0\"></span>the counterparty of cash, equity<span class=\"_ _0\"></span> instruments, other assets or<span class=\"_ _0\"></span> ser<span class=\"_ _2\"></span>vices. The amendmen<span class=\"_ _0\"></span>ts will be eff<span class=\"_ _0\"></span>ective for annual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2db\">periods beginning on or after<span class=\"_ _0\"></span> 1 January 2024 with early<span class=\"_ _0\"></span> adoption permitted. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2dc\">The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs2dd\">Amendments to IFRS 16: Lease Liability<span class=\"_ _0\"></span> in a Sale and Leaseback </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2de\">In September 2022, the IASB issued amendments <span class=\"_ _0\"></span>to IFRS 16 to specify <span class=\"_ _0\"></span>the requirements <span class=\"_ _0\"></span>that a seller-lessee uses in measuring the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws9c gs2df\">lease liability arising in a sale and leaseback tr<span class=\"_ _0\"></span>ansaction, to ensure <span class=\"_ _0\"></span>the seller-lessee does not recognise an<span class=\"_ _0\"></span>y amount of<span class=\"_ _0\"></span> the gain or loss </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e0\">that relates <span class=\"_ _0\"></span>to the right of use it r<span class=\"_ _0\"></span>etains. The amendments ar<span class=\"_ _0\"></span>e effectiv<span class=\"_ _0\"></span>e for annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>January </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e1\">2024 and must be applied retr<span class=\"_ _0\"></span>ospectively <span class=\"_ _0\"></span>to sale and leaseback transactions enter<span class=\"_ _0\"></span>ed into after<span class=\"_ _0\"></span> the date of initial application of  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e2\">IFRS 16. Earlier application is permit<span class=\"_ _0\"></span>ted and that fact must be disclosed. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e3\">The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs2e4\">Supplier Finance <span class=\"_ _0\"></span>Arrangements \u2013 <span class=\"_ _0\"></span>Amendments to IAS 7 and IFRS 7 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e5\">In May 2023, <span class=\"_ _0\"></span>the IASB issued amendments to </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2e6\">IAS 7 Statement o<span class=\"_ _0\"></span>f Cash Flows</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2e7\"> and </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2e8\">IFRS 7 Financial Instruments: Disclosur<span class=\"_ _0\"></span>es</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls6a ws24 gs2e9\"> to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ea\">clarify the char<span class=\"_ _0\"></span>acteristics of supplier financ<span class=\"_ _0\"></span>e arrangements and requir<span class=\"_ _0\"></span>e additional disclosure of<span class=\"_ _0\"></span> such arrangements. The disclo<span class=\"_ _0\"></span>sure </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2eb\">requir<span class=\"_ _0\"></span>ements in the amendments ar<span class=\"_ _0\"></span>e intended to assist users of <span class=\"_ _0\"></span>financial statements in understanding the ef<span class=\"_ _0\"></span>fects of supplier </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ec\">finance arrangemen<span class=\"_ _0\"></span>ts on an entity<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s liabilities, cash flows and e<span class=\"_ _0\"></span>xposure to liquidity<span class=\"_ _0\"></span> risk. The amendments will be ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or annual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ed\">reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 January 20<span class=\"_ _0\"></span>24<span class=\"_ _2\"></span>. Early adoption is permit<span class=\"_ _0\"></span>ted, but will need to be disclosed. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ee\">The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs2ef\">Lack of Ex<span class=\"_ _0\"></span>changeability \u2013 <span class=\"_ _0\"></span>Amendments to IAS 21<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f0\">IASB has published \u2018Lack of Ex<span class=\"_ _0\"></span>changeability<span class=\"_ _2\"></span>\u2019 (Amendments to IAS 21) that c<span class=\"_ _0\"></span>ontains guidance to specify<span class=\"_ _0\"></span> when a currency<span class=\"_ _0\"></span> is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f1\">ex<span class=\"_ _0\"></span>changeable and how to determine <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ate when it is not. The amendments ar<span class=\"_ _0\"></span>e applicable for<span class=\"_ _0\"></span> annual reporting periods </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f2\">beginning on or after<span class=\"_ _0\"></span> 1 January 2025. Earlier<span class=\"_ _0\"></span> application is permitted.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f3\">The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs2f5\">Non-current Liabilities <span class=\"_ _0\"></span>with Covenan<span class=\"_ _0\"></span>ts \u2013 Amendments to IAS 1<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f6\">On 31 October 2022, the IASB published </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs2f7\">Non-current Liabilities <span class=\"_ _0\"></span>with Covenants (Amendments t<span class=\"_ _0\"></span>o IAS 1)</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f8\"> to clarify<span class=\"_ _0\"></span> how conditions </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2f9\">with which an entity mus<span class=\"_ _0\"></span>t comply within 12 months af<span class=\"_ _0\"></span>ter the r<span class=\"_ _0\"></span>eporting period affect the classification of<span class=\"_ _0\"></span> a liability<span class=\"_ _0\"></span>. The amendments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2fa\">are ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2024. The amendmen<span class=\"_ _0\"></span>ts are applied retr<span class=\"_ _0\"></span>ospectively in acc<span class=\"_ _0\"></span>ordance </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2fb\">with IAS 8 and earlier application is permit<span class=\"_ _0\"></span>ted.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2fc\">The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs2fd\">Inter<span class=\"_ _0\"></span>est Rate Benchmark<span class=\"_ _0\"></span> Ref<span class=\"_ _0\"></span>orm<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2fe\">The UK\u2019<span class=\"_ _0\"></span>s Financial Conduct Authority<span class=\"_ _0\"></span> (\u2018FCA<span class=\"_ _d\"></span>\u2019) announced on 5 March 2021 <span class=\"_ _0\"></span>that publication of main Libor curr<span class=\"_ _0\"></span>ency inter<span class=\"_ _0\"></span>est rate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs2ff\">benchmark settings including EUR LIBOR w<span class=\"_ _0\"></span>ould cease at the end of 2021, while <span class=\"_ _0\"></span>the publication of the most widely<span class=\"_ _0\"></span> used US dollar </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs300\">Libor settings <span class=\"_ _0\"></span>would be extended until 30 <span class=\"_ _0\"></span>June 2023. As a r<span class=\"_ _0\"></span>esult<span class=\"_ _2\"></span>, the Bank initiated the tr<span class=\"_ _0\"></span>ansition progr<span class=\"_ _0\"></span>amme for<span class=\"_ _0\"></span> those contracts </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs301\">that ref<span class=\"_ _0\"></span>erence Ibor<span class=\"_ _0\"></span>s to alternative rate pr<span class=\"_ _0\"></span>oducts. As at 31 December 2023, <span class=\"_ _0\"></span>the transitioning to alternativ<span class=\"_ _0\"></span>e benchmark rates f<span class=\"_ _0\"></span>or all </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs302\">material contr<span class=\"_ _0\"></span>acts was substantially c<span class=\"_ _0\"></span>ompleted. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs303\">The below table pr<span class=\"_ _0\"></span>ovides a summary of financial c<span class=\"_ _0\"></span>ontracts disaggregated b<span class=\"_ _0\"></span>y significan<span class=\"_ _0\"></span>t interest r<span class=\"_ _0\"></span>ate benchmark at the reporting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs304\">date that ar<span class=\"_ _0\"></span>e yet to <span class=\"_ _0\"></span>transition to an alternative benchmark<span class=\"_ _0\"></span> rate:<span class=\"_ _3e0\"> </span></div><div class=\"gs305\"><table class=\"s w3af h10d\" id=\"_ae61a796-f12e-4d4d-9dfb-444f56140eaa\"><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4bfe ffb fs1d fc1 sc0 ls0 ws0\">Balance at </td><td class=\"t m1 x615 h77 y4bfe ffb fs1d fc1 sc0 ls0 ws0\">Balance at </td></tr><tr><td></td><td></td><td class=\"t m1 x48c h77 y4bff ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x48d h77 y4bff ffb fs1d fc1 sc0 ls0 ws0\">31 December </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">Currency<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c01 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b4f w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x617 y4b4f w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x618 y4b4f w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x619 y4b4f w3b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">631,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c02 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bf8 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61a y4bf8 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61b y4bf8 w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,769<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61c y4bf8 w3b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">515,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61d y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61e y4aa3 w3b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61f y4aa3 w3b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">2<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs306\">Business combination<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs307\">On 25 May 2023, <span class=\"_ _0\"></span>the Group acquir<span class=\"_ _0\"></span>ed 45.63% of the voting shar<span class=\"_ _0\"></span>es in JSC Deliv<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, an online grocery shopping platform in Geor<span class=\"_ _0\"></span>gia. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs308\">The Group had pr<span class=\"_ _0\"></span>eviously held 34.37% shares in the c<span class=\"_ _0\"></span>ompany and ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or the shareholding as an in<span class=\"_ _0\"></span>vestment in associate. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs309\">Following <span class=\"_ _0\"></span>the above transaction the shar<span class=\"_ _0\"></span>eholding was incr<span class=\"_ _0\"></span>eased to 80% resulting in the Gr<span class=\"_ _0\"></span>oup obtaining contr<span class=\"_ _0\"></span>ol over the entity<span class=\"_ _d\"></span>. The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30a\">company<span class=\"_ _0\"></span> was acquir<span class=\"_ _0\"></span>ed with the purposes of entering <span class=\"_ _0\"></span>the quick-commer<span class=\"_ _0\"></span>ce market.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30b\">The Group has simultaneously<span class=\"_ _0\"></span> formed an agr<span class=\"_ _0\"></span>eement with one of <span class=\"_ _0\"></span>the non-controlling inter<span class=\"_ _0\"></span>ests (NCI) whereb<span class=\"_ _0\"></span>y the parties agr<span class=\"_ _0\"></span>eed on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30c\">the sale/<span class=\"_ _d\"></span>purchase of the additional 15.58% shar<span class=\"_ _0\"></span>eholding held by <span class=\"_ _0\"></span>the NCI. As a result, the Gr<span class=\"_ _0\"></span>oup has recognised respective liability<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30d\">NCI f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward at <span class=\"_ _0\"></span>the date of business combination. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30e\">The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at pr<span class=\"_ _0\"></span>oportionate share of <span class=\"_ _0\"></span>the net </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs30f\">assets<span class=\"_ gs7d\"> </span>acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs310\">Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs311\">The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of <span class=\"_ _0\"></span>JSC Delivery as at the date of acquisition <span class=\"_ _0\"></span>were:<span class=\"_ _3e0\"> </span></div><div class=\"gs312\"><table class=\"s w3b7 h10e\" id=\"_35aa43f9-7f1b-487f-bb10-6ba2e9ee9538\"><tr><td></td><td class=\"t m1 x620 h77 y4c03 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c04 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c05 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c06 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c07 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x622 y4c07 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">468<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a96 w397 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x623 y4a96 w3b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">302<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a97 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x624 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">263<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c08 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x625 y4c08 w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x626 y4c09 w3bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa8 ws18\">64<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x627 h1b y4c0a ffb fs8 fc1 sc0 ls0 ws0\">1,279<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c0b ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4a9b w3bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x628 y4a9b w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(353)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x629 y4c0c w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c0d ffb fs8 fc1 sc0 ls0 ws0\">(354)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c0e w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62a y4c0e w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w3c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62b y4c0f w3c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fair <span class=\"_ _0\"></span>value of Investmen<span class=\"_ _0\"></span>t in Associate derecognised<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4b44 w3c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,309)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w3c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">NCI Forward liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62d y4ade w3c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,27<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62e y4adf w3c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5,76<span class=\"_ _2\"></span>5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4aa3 w3ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">3,070<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs313\">On 29 September 2023, the Gr<span class=\"_ _0\"></span>oup additionally acquir<span class=\"_ _0\"></span>ed 80% of El. Biletebi LL<span class=\"_ _0\"></span>C, an e-tick<span class=\"_ _0\"></span>ets selling platform with <span class=\"_ _0\"></span>the purpose </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs314\">to enter <span class=\"_ _0\"></span>the e-tickets mark<span class=\"_ _0\"></span>et. The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs315\">proportionate shar<span class=\"_ _0\"></span>e of the net assets acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs317\">Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs318\">The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of El. Biletebi LL<span class=\"_ _0\"></span>C as at the date of ac<span class=\"_ _0\"></span>quisition were:<span class=\"_ _3e0\"> </span></div><div class=\"gs319\"><table class=\"s w3cb h10f\" id=\"_2ea9f5b0-ba95-4722-a4a1-4858b9c89131\"><tr><td></td><td class=\"t m1 x620 h77 y4c10 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c11 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c12 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c13 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c14 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x630 y4c14 w3cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c15 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x631 y4c15 w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c16 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x632 y4c16 w3cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">745<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c17 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x633 y4c17 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x634 h1b y4c18 ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c19 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c1a w3cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x635 y4c1a w3d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c1b w3bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x636 y4c1b w3d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c1c ffb fs8 fc1 sc0 ls0 ws0\">(737)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b4f w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x637 y4b4f w3d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x638 y4b45 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(241)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x639 y4adf w3d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63a y4aa3 w3d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>100</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-693": {
   "value": "Basis of consolidation<span class=\"_ _3e0\"> </span>The Consolidated Financial Stat<span class=\"_ _0\"></span>ements comprise the financial statements o<span class=\"_ _0\"></span>f the Group and its subsidiaries as at 31 December<span class=\"_ _0\"></span> 2023. The Group consolidat<span class=\"_ _0\"></span>es a subsidiar<span class=\"_ _2\"></span>y when it c<span class=\"_ _0\"></span>ontrols it. Control is achiev<span class=\"_ _0\"></span>ed when the Group is e<span class=\"_ _0\"></span>xposed, or has rights, to <span class=\"_ _0\"></span>variable returns <span class=\"_ _0\"></span>from its inv<span class=\"_ _0\"></span>olvement with the inv<span class=\"_ _0\"></span>estee and has the ability to af<span class=\"_ _0\"></span>fect those r<span class=\"_ _0\"></span>eturns through its power<span class=\"_ _0\"></span> over the in<span class=\"_ _0\"></span>vestee. Specifically<span class=\"_ _d\"></span>, the Group con<span class=\"_ _0\"></span>trols an investee if<span class=\"_ _0\"></span> and only if the Gr<span class=\"_ _0\"></span>oup has: \u2022 <span class=\"_ _59\"> </span>power over<span class=\"_ _0\"></span> the investee (i.e<span class=\"_ _0\"></span>. existing rights that give it <span class=\"_ _0\"></span>the current ability <span class=\"_ _0\"></span>to direct the r<span class=\"_ _0\"></span>elevant activities of the inv<span class=\"_ _0\"></span>estee); \u2022 <span class=\"_ _59\"> </span>exposure<span class=\"_ _0\"></span>, or rights, to v<span class=\"_ _0\"></span>ariable returns f<span class=\"_ _0\"></span>rom its involvemen<span class=\"_ _0\"></span>t with the investee; and \u2022 <span class=\"_ _59\"> </span>the ability to use its power<span class=\"_ _0\"></span> over the in<span class=\"_ _0\"></span>vestee to aff<span class=\"_ _0\"></span>ect its returns. Consolidation of a subsidiary begins when <span class=\"_ _0\"></span>the Group obtains contr<span class=\"_ _0\"></span>ol over <span class=\"_ _0\"></span>the subsidiar<span class=\"_ _2\"></span>y and ceases <span class=\"_ _0\"></span>when the<span class=\"_ gs7d\"> </span>Group loses contr<span class=\"_ _0\"></span>ol of the subsidiary<span class=\"_ _d\"></span>. Income and expenses of a subsidiary acquir<span class=\"_ _0\"></span>ed or disposed of during the <span class=\"_ _0\"></span>year ar<span class=\"_ _0\"></span>e included in the statement of comprehensiv<span class=\"_ _0\"></span>e income fr<span class=\"_ _0\"></span>om the date the Group gains c<span class=\"_ _0\"></span>ontrol until the date <span class=\"_ _0\"></span>the Group ceases to c<span class=\"_ _0\"></span>ontrol the<span class=\"_ gs7d\"> </span>subsidiary<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Profit or<span class=\"_ _0\"></span> loss and each component of other c<span class=\"_ _0\"></span>omprehensive income ar<span class=\"_ _0\"></span>e attributed to the equity<span class=\"_ _0\"></span> holders of the par<span class=\"_ _0\"></span>ent of the Gr<span class=\"_ _0\"></span>oup and to the non-con<span class=\"_ _0\"></span>trolling inter<span class=\"_ _0\"></span>ests, even if this r<span class=\"_ _0\"></span>esults in the non-contr<span class=\"_ _0\"></span>olling interests having a deficit balance<span class=\"_ _0\"></span>. When necessary<span class=\"_ _0\"></span>, adjustments are made <span class=\"_ _0\"></span>to the financial statements of<span class=\"_ _0\"></span> subsidiaries to bring their acc<span class=\"_ _0\"></span>ounting policies into line with the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s accounting policies. <span class=\"_ _0\"></span>All intra-gr<span class=\"_ _0\"></span>oup assets and liabilities, equity<span class=\"_ _0\"></span>, income, e<span class=\"_ _0\"></span>xpenses and cash flows r<span class=\"_ _0\"></span>elating to transactions between members of the Gr<span class=\"_ _0\"></span>oup are eliminated in f<span class=\"_ _0\"></span>ull on consolidation.<span class=\"_ _3e0\"> </span>A change in the owner<span class=\"_ _0\"></span>ship interest of a sub<span class=\"_ _0\"></span>sidiar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, without a loss of control, is ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or as an equity tr<span class=\"_ _0\"></span>ansaction.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-800": {
   "value": "Business combinations and goodwill<span class=\"_ _3e0\"> </span>For each business c<span class=\"_ _0\"></span>ombination, the Group elects whether<span class=\"_ _0\"></span> to measure the non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue or at the proportionate shar<span class=\"_ _0\"></span>e of the acquiree<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s identifiable net assets. <span class=\"_ _0\"></span>Acquisition-related costs ar<span class=\"_ _0\"></span>e expensed as incurr<span class=\"_ _0\"></span>ed and included in administrative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _3e0\"> </span>Goodwill impairment<span class=\"_ _3e0\"> </span>Goodwill is revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually<span class=\"_ _0\"></span>, or mor<span class=\"_ _0\"></span>e frequen<span class=\"_ _0\"></span>tly if ev<span class=\"_ _0\"></span>ents or changes in circumstanc<span class=\"_ _0\"></span>es indicate that the carrying amount may be impair<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of impairment testing, goodwill acquir<span class=\"_ _0\"></span>ed in a business combination is, fr<span class=\"_ _0\"></span>om the acquisition date, alloc<span class=\"_ _0\"></span>ated to each of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s cash-generating units, or gr<span class=\"_ _0\"></span>oups of cash-generating units, <span class=\"_ _0\"></span>that are expected to bene<span class=\"_ _0\"></span>fit from <span class=\"_ _0\"></span>the synergies of the combination, irrespective o<span class=\"_ _0\"></span>f whether other as<span class=\"_ _0\"></span>sets or liabilities of the Gr<span class=\"_ _0\"></span>oup are assigned to those units or<span class=\"_ _0\"></span> groups of units. Each unit or group o<span class=\"_ _0\"></span>f units to which the goodwill is so allocat<span class=\"_ _0\"></span>ed:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>represen<span class=\"_ _0\"></span>ts the lowest level <span class=\"_ _0\"></span>within the Group at which the goodwill is monit<span class=\"_ _0\"></span>ored f<span class=\"_ _0\"></span>or internal management purposes; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>is not larger <span class=\"_ _0\"></span>than a segment as defined in IFRS 8 Operating Segments.<span class=\"_ _3e0\"> </span>Impairment is determined b<span class=\"_ _0\"></span>y assessing the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units), to which the goodwill relat<span class=\"_ _0\"></span>es. Where the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units) is less than the carrying amount, an impairment loss is recognised. Impairment losses c<span class=\"_ _0\"></span>annot be rever<span class=\"_ _0\"></span>sed in future periods.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-756": {
   "value": "Business combinations and goodwill<span class=\"_ _3e0\"> </span>For each business c<span class=\"_ _0\"></span>ombination, the Group elects whether<span class=\"_ _0\"></span> to measure the non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue or at the proportionate shar<span class=\"_ _0\"></span>e of the acquiree<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s identifiable net assets. <span class=\"_ _0\"></span>Acquisition-related costs ar<span class=\"_ _0\"></span>e expensed as incurr<span class=\"_ _0\"></span>ed and included in administrative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _3e0\"> </span>Business combination<span class=\"_ _3e0\"> </span>On 25 May 2023, <span class=\"_ _0\"></span>the Group acquir<span class=\"_ _0\"></span>ed 45.63% of the voting shar<span class=\"_ _0\"></span>es in JSC Deliv<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, an online grocery shopping platform in Geor<span class=\"_ _0\"></span>gia. The Group had pr<span class=\"_ _0\"></span>eviously held 34.37% shares in the c<span class=\"_ _0\"></span>ompany and ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or the shareholding as an in<span class=\"_ _0\"></span>vestment in associate. Following <span class=\"_ _0\"></span>the above transaction the shar<span class=\"_ _0\"></span>eholding was incr<span class=\"_ _0\"></span>eased to 80% resulting in the Gr<span class=\"_ _0\"></span>oup obtaining contr<span class=\"_ _0\"></span>ol over the entity<span class=\"_ _d\"></span>. The company<span class=\"_ _0\"></span> was acquir<span class=\"_ _0\"></span>ed with the purposes of entering <span class=\"_ _0\"></span>the quick-commer<span class=\"_ _0\"></span>ce market.<span class=\"_ _3e0\"> </span>The Group has simultaneously<span class=\"_ _0\"></span> formed an agr<span class=\"_ _0\"></span>eement with one of <span class=\"_ _0\"></span>the non-controlling inter<span class=\"_ _0\"></span>ests (NCI) whereb<span class=\"_ _0\"></span>y the parties agr<span class=\"_ _0\"></span>eed on the sale/<span class=\"_ _d\"></span>purchase of the additional 15.58% shar<span class=\"_ _0\"></span>eholding held by <span class=\"_ _0\"></span>the NCI. As a result, the Gr<span class=\"_ _0\"></span>oup has recognised respective liability<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> NCI f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward at <span class=\"_ _0\"></span>the date of business combination. The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at pr<span class=\"_ _0\"></span>oportionate share of <span class=\"_ _0\"></span>the net assets<span class=\"_ gs7d\"> </span>acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of <span class=\"_ _0\"></span>JSC Delivery as at the date of acquisition <span class=\"_ _0\"></span>were:<span class=\"_ _3e0\"> </span><table class=\"s w3b7 h10e\" id=\"_35aa43f9-7f1b-487f-bb10-6ba2e9ee9538\"><tr><td></td><td class=\"t m1 x620 h77 y4c03 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c04 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c05 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c06 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c07 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x622 y4c07 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">468<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a96 w397 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x623 y4a96 w3b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">302<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a97 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x624 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">263<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c08 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x625 y4c08 w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x626 y4c09 w3bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa8 ws18\">64<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x627 h1b y4c0a ffb fs8 fc1 sc0 ls0 ws0\">1,279<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c0b ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4a9b w3bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x628 y4a9b w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(353)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x629 y4c0c w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c0d ffb fs8 fc1 sc0 ls0 ws0\">(354)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c0e w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62a y4c0e w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w3c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62b y4c0f w3c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fair <span class=\"_ _0\"></span>value of Investmen<span class=\"_ _0\"></span>t in Associate derecognised<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4b44 w3c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,309)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w3c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">NCI Forward liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62d y4ade w3c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,27<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62e y4adf w3c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5,76<span class=\"_ _2\"></span>5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4aa3 w3ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">3,070<span class=\"_ _3e0\"> </span></div></td></tr></table>On 29 September 2023, the Gr<span class=\"_ _0\"></span>oup additionally acquir<span class=\"_ _0\"></span>ed 80% of El. Biletebi LL<span class=\"_ _0\"></span>C, an e-tick<span class=\"_ _0\"></span>ets selling platform with <span class=\"_ _0\"></span>the purpose to enter <span class=\"_ _0\"></span>the e-tickets mark<span class=\"_ _0\"></span>et. The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at proportionate shar<span class=\"_ _0\"></span>e of the net assets acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of El. Biletebi LL<span class=\"_ _0\"></span>C as at the date of ac<span class=\"_ _0\"></span>quisition were:<span class=\"_ _3e0\"> </span><table class=\"s w3cb h10f\" id=\"_2ea9f5b0-ba95-4722-a4a1-4858b9c89131\"><tr><td></td><td class=\"t m1 x620 h77 y4c10 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c11 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c12 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c13 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c14 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x630 y4c14 w3cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c15 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x631 y4c15 w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c16 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x632 y4c16 w3cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">745<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c17 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x633 y4c17 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x634 h1b y4c18 ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c19 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c1a w3cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x635 y4c1a w3d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c1b w3bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x636 y4c1b w3d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c1c ffb fs8 fc1 sc0 ls0 ws0\">(737)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b4f w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x637 y4b4f w3d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x638 y4b45 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(241)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x639 y4adf w3d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63a y4aa3 w3d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>100</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-694": {
   "value": "Business combinations and goodwill<span class=\"_ _3e0\"> </span>For each business c<span class=\"_ _0\"></span>ombination, the Group elects whether<span class=\"_ _0\"></span> to measure the non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue or at the proportionate shar<span class=\"_ _0\"></span>e of the acquiree<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s identifiable net assets. <span class=\"_ _0\"></span>Acquisition-related costs ar<span class=\"_ _0\"></span>e expensed as incurr<span class=\"_ _0\"></span>ed and included in administrative e<span class=\"_ _0\"></span>xpenses.<span class=\"_ _3e0\"> </span>Business combination<span class=\"_ _3e0\"> </span>On 25 May 2023, <span class=\"_ _0\"></span>the Group acquir<span class=\"_ _0\"></span>ed 45.63% of the voting shar<span class=\"_ _0\"></span>es in JSC Deliv<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, an online grocery shopping platform in Geor<span class=\"_ _0\"></span>gia. The Group had pr<span class=\"_ _0\"></span>eviously held 34.37% shares in the c<span class=\"_ _0\"></span>ompany and ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or the shareholding as an in<span class=\"_ _0\"></span>vestment in associate. Following <span class=\"_ _0\"></span>the above transaction the shar<span class=\"_ _0\"></span>eholding was incr<span class=\"_ _0\"></span>eased to 80% resulting in the Gr<span class=\"_ _0\"></span>oup obtaining contr<span class=\"_ _0\"></span>ol over the entity<span class=\"_ _d\"></span>. The company<span class=\"_ _0\"></span> was acquir<span class=\"_ _0\"></span>ed with the purposes of entering <span class=\"_ _0\"></span>the quick-commer<span class=\"_ _0\"></span>ce market.<span class=\"_ _3e0\"> </span>The Group has simultaneously<span class=\"_ _0\"></span> formed an agr<span class=\"_ _0\"></span>eement with one of <span class=\"_ _0\"></span>the non-controlling inter<span class=\"_ _0\"></span>ests (NCI) whereb<span class=\"_ _0\"></span>y the parties agr<span class=\"_ _0\"></span>eed on the sale/<span class=\"_ _d\"></span>purchase of the additional 15.58% shar<span class=\"_ _0\"></span>eholding held by <span class=\"_ _0\"></span>the NCI. As a result, the Gr<span class=\"_ _0\"></span>oup has recognised respective liability<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> NCI f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward at <span class=\"_ _0\"></span>the date of business combination. The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at pr<span class=\"_ _0\"></span>oportionate share of <span class=\"_ _0\"></span>the net assets<span class=\"_ gs7d\"> </span>acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of <span class=\"_ _0\"></span>JSC Delivery as at the date of acquisition <span class=\"_ _0\"></span>were:<span class=\"_ _3e0\"> </span><table class=\"s w3b7 h10e\" id=\"_35aa43f9-7f1b-487f-bb10-6ba2e9ee9538\"><tr><td></td><td class=\"t m1 x620 h77 y4c03 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c04 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c05 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c06 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c07 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x622 y4c07 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">468<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a96 w397 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x623 y4a96 w3b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">302<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a97 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x624 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">263<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c08 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x625 y4c08 w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x626 y4c09 w3bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa8 ws18\">64<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x627 h1b y4c0a ffb fs8 fc1 sc0 ls0 ws0\">1,279<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c0b ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4a9b w3bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x628 y4a9b w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(353)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x629 y4c0c w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c0d ffb fs8 fc1 sc0 ls0 ws0\">(354)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c0e w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62a y4c0e w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w3c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62b y4c0f w3c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fair <span class=\"_ _0\"></span>value of Investmen<span class=\"_ _0\"></span>t in Associate derecognised<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4b44 w3c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,309)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w3c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">NCI Forward liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62d y4ade w3c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,27<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62e y4adf w3c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5,76<span class=\"_ _2\"></span>5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4aa3 w3ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">3,070<span class=\"_ _3e0\"> </span></div></td></tr></table>On 29 September 2023, the Gr<span class=\"_ _0\"></span>oup additionally acquir<span class=\"_ _0\"></span>ed 80% of El. Biletebi LL<span class=\"_ _0\"></span>C, an e-tick<span class=\"_ _0\"></span>ets selling platform with <span class=\"_ _0\"></span>the purpose to enter <span class=\"_ _0\"></span>the e-tickets mark<span class=\"_ _0\"></span>et. The Group has elected to measur<span class=\"_ _0\"></span>e the remaining non-c<span class=\"_ _0\"></span>ontrolling inter<span class=\"_ _0\"></span>ests in the acquiree at proportionate shar<span class=\"_ _0\"></span>e of the net assets acquir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>Assets acquir<span class=\"_ _0\"></span>ed and liabilities assumed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the identifiable assets and liabilities of El. Biletebi LL<span class=\"_ _0\"></span>C as at the date of ac<span class=\"_ _0\"></span>quisition were:<span class=\"_ _3e0\"> </span><table class=\"s w3cb h10f\" id=\"_2ea9f5b0-ba95-4722-a4a1-4858b9c89131\"><tr><td></td><td class=\"t m1 x620 h77 y4c10 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value </td></tr><tr><td></td><td class=\"t m1 x621 h77 y4c11 ffb fs1d fc1 sc0 ls0 ws0\">recognised on </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4c12 ffb fs1d fc1 sc0 ls0 ws0\">acquisition<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c13 ffb fs8 fc1 sc0 ls84 wsbf\">Assets<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c14 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x630 y4c14 w3cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c15 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x631 y4c15 w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c16 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x632 y4c16 w3cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">745<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c17 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x633 y4c17 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x634 h1b y4c18 ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c19 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4c1a w3cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x635 y4c1a w3d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c1b w3bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade payables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x636 y4c1b w3d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x5de h1b y4c1c ffb fs8 fc1 sc0 ls0 ws0\">(737)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b4f w3bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal identifiable net assets at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x637 y4b4f w3d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-contr<span class=\"_ _0\"></span>olling interest measur<span class=\"_ _0\"></span>ed at proportionate share of ne<span class=\"_ _0\"></span>t assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x638 y4b45 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(241)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill arising on acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x639 y4adf w3d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Purchase consider<span class=\"_ _0\"></span>ation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63a y4aa3 w3d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>100</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-695": {
   "value": "Inv<span class=\"_ _0\"></span>estments in associates<span class=\"_ _3e0\"> </span>Associates are en<span class=\"_ _0\"></span>tities in which the Group gener<span class=\"_ _0\"></span>ally has between 20% and 50% of<span class=\"_ _0\"></span> the voting rights, or<span class=\"_ _0\"></span> is otherwise able to exer<span class=\"_ _0\"></span>cise significant influenc<span class=\"_ _0\"></span>e over<span class=\"_ _d\"></span>, but which it does not contr<span class=\"_ _0\"></span>ol or jointly<span class=\"_ _0\"></span> control. In<span class=\"_ _0\"></span>vestments in associates are ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or under the equity method and ar<span class=\"_ _0\"></span>e initially r<span class=\"_ _0\"></span>ecognised at cost, including goodwill. Subsequent changes in the carrying value reflect the  post-acquisition changes in the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of net assets of<span class=\"_ _0\"></span> the associate. The Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of its associates\u2019 pr<span class=\"_ _0\"></span>ofits or losses is recognised in <span class=\"_ _0\"></span>the consolidated income statement, and its share of mo<span class=\"_ _0\"></span>vements in reserves is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, when the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s share of los<span class=\"_ _0\"></span>ses in an associate equals or ex<span class=\"_ _0\"></span>ceeds its interest in <span class=\"_ _0\"></span>the associate, the Group does  not rec<span class=\"_ _0\"></span>ognise further losses, unless the Gr<span class=\"_ _0\"></span>oup is obliged to make f<span class=\"_ _0\"></span>urther payments to, or on behalf o<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>, the associate.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-757": {
   "value": "Inv<span class=\"_ _0\"></span>estments in associates<span class=\"_ _3e0\"> </span>Associates are en<span class=\"_ _0\"></span>tities in which the Group gener<span class=\"_ _0\"></span>ally has between 20% and 50% of<span class=\"_ _0\"></span> the voting rights, or<span class=\"_ _0\"></span> is otherwise able to exer<span class=\"_ _0\"></span>cise significant influenc<span class=\"_ _0\"></span>e over<span class=\"_ _d\"></span>, but which it does not contr<span class=\"_ _0\"></span>ol or jointly<span class=\"_ _0\"></span> control. In<span class=\"_ _0\"></span>vestments in associates are ac<span class=\"_ _0\"></span>counted f<span class=\"_ _0\"></span>or under the equity method and ar<span class=\"_ _0\"></span>e initially r<span class=\"_ _0\"></span>ecognised at cost, including goodwill. Subsequent changes in the carrying value reflect the  post-acquisition changes in the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of net assets of<span class=\"_ _0\"></span> the associate. The Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s share of its associates\u2019 pr<span class=\"_ _0\"></span>ofits or losses is recognised in <span class=\"_ _0\"></span>the consolidated income statement, and its share of mo<span class=\"_ _0\"></span>vements in reserves is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, when the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s share of los<span class=\"_ _0\"></span>ses in an associate equals or ex<span class=\"_ _0\"></span>ceeds its interest in <span class=\"_ _0\"></span>the associate, the Group does  not rec<span class=\"_ _0\"></span>ognise further losses, unless the Gr<span class=\"_ _0\"></span>oup is obliged to make f<span class=\"_ _0\"></span>urther payments to, or on behalf o<span class=\"_ _0\"></span>f<span class=\"_ _0\"></span>, the associate.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-696": {
   "value": "Common contr<span class=\"_ _0\"></span>ol transactions The Group gener<span class=\"_ _0\"></span>ally accoun<span class=\"_ _0\"></span>ts for c<span class=\"_ _0\"></span>ommon control <span class=\"_ _0\"></span>transaction at cost. Those tr<span class=\"_ _0\"></span>ansactions involving the acquisition of in<span class=\"_ _0\"></span>vestment in a subsidiary<span class=\"_ _0\"></span>, associate or joint v<span class=\"_ _0\"></span>enture ar<span class=\"_ _0\"></span>e accounted at the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f the consideration giv<span class=\"_ _0\"></span>en. When the purchase c<span class=\"_ _0\"></span>onsideration does not corr<span class=\"_ _0\"></span>espond to the f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>the investment acquir<span class=\"_ _0\"></span>ed the investment is ac<span class=\"_ _0\"></span>counted at f<span class=\"_ _0\"></span>air value with the c<span class=\"_ _0\"></span>orresponding eff<span class=\"_ _0\"></span>ect recognised in the acquir<span class=\"_ _0\"></span>er\u2019s st<span class=\"_ _0\"></span>andalone income statement. Accounting <span class=\"_ _0\"></span>for common c<span class=\"_ _0\"></span>ontrol tr<span class=\"_ _0\"></span>ansactions has no effect on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements. ",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForCommonControlTransactions",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-697": {
   "value": "Inv<span class=\"_ _0\"></span>estments in subsidiaries and associate<span class=\"_ _0\"></span>s in parent compan<span class=\"_ _0\"></span>y financial st<span class=\"_ _0\"></span>atements<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purposes of parent c<span class=\"_ _0\"></span>ompany financial s<span class=\"_ _0\"></span>tatements, investments in subsidiaries and associates ar<span class=\"_ _0\"></span>e accounted at co<span class=\"_ _0\"></span>st less any<span class=\"_ _0\"></span> impairment. Dividends from a subsidiary or an associat<span class=\"_ _0\"></span>e are recognised in <span class=\"_ _0\"></span>the parent compan<span class=\"_ _0\"></span>y financial statemen<span class=\"_ _0\"></span>ts when the parent\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the dividend is established.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForInvestmentInSubsidiariesAndAssociatesInParentCompanyFinancialStatements",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-825": {
   "value": "Fair v<span class=\"_ _0\"></span>alue measurement<span class=\"_ _3e0\"> </span>The Group measur<span class=\"_ _0\"></span>es financial instruments, such as tr<span class=\"_ _0\"></span>ading and investment securities, certain loans t<span class=\"_ _0\"></span>o customers, derivatives and non-financial assets such as inv<span class=\"_ _0\"></span>estment properties, at f<span class=\"_ _0\"></span>air value at each balance sheet date<span class=\"_ _0\"></span>. Also, f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial instruments measured at amortised cost ar<span class=\"_ _0\"></span>e disclosed in Note 31.<span class=\"_ _3e0\"> </span>The Group uses <span class=\"_ _0\"></span>valuation techniques that ar<span class=\"_ _0\"></span>e appropriate in the cir<span class=\"_ _0\"></span>cumstances and for<span class=\"_ _0\"></span> which sufficient data is available <span class=\"_ _0\"></span>to measure fair<span class=\"_ _0\"></span> value, maximising the use of r<span class=\"_ _0\"></span>elevant observable inputs and minimising the use of<span class=\"_ _0\"></span> unobser<span class=\"_ _2\"></span>vable inputs.<span class=\"_ _3e0\"> </span>All assets and liabilities f<span class=\"_ _0\"></span>or which f<span class=\"_ _0\"></span>air value is measur<span class=\"_ _0\"></span>ed or disclosed in the financial statemen<span class=\"_ _0\"></span>ts are categorised within the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value hierar<span class=\"_ _0\"></span>chy<span class=\"_ _d\"></span>, described as follows, based on <span class=\"_ _0\"></span>the lowest level input that is significan<span class=\"_ _0\"></span>t to the f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ement as a whole:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 1 \u2212 Quoted (unadjusted) mark<span class=\"_ _0\"></span>et prices in active markets <span class=\"_ _0\"></span>for identic<span class=\"_ _0\"></span>al assets or liabilities.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 2 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is dir<span class=\"_ _0\"></span>ectly or indirectly<span class=\"_ _0\"></span> observable.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 3 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is unobservable.<span class=\"_ _3e0\"> </span>For asse<span class=\"_ _0\"></span>ts and liabilities that are r<span class=\"_ _0\"></span>ecognised in the financial statements on a r<span class=\"_ _0\"></span>ecurring basis, the Group determines <span class=\"_ _0\"></span>whether transf<span class=\"_ _0\"></span>ers have occurr<span class=\"_ _0\"></span>ed between levels in the hier<span class=\"_ _0\"></span>archy<span class=\"_ _0\"></span> by<span class=\"_ _0\"></span> reassessing categorisation (based on the lo<span class=\"_ _0\"></span>west level input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement as a <span class=\"_ _0\"></span>whole) at the end o<span class=\"_ _0\"></span>f each reporting period.<span class=\"_ _3e0\"> </span>Financial assets and liabilities<span class=\"_ _3e0\"> </span>Classification and measur<span class=\"_ _0\"></span>ement for financial as<span class=\"_ _0\"></span>sets and liabilities<span class=\"_ _3e0\"> </span>The Group classifies all of<span class=\"_ _0\"></span> its financial assets based on the business model f<span class=\"_ _0\"></span>or managing the assets and the asse<span class=\"_ _0\"></span>t\u2019<span class=\"_ _0\"></span>s contractual terms, measured at either:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through pr<span class=\"_ _0\"></span>ofit or loss (FVTPL);<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through other<span class=\"_ _0\"></span> comprehensive income (FV<span class=\"_ _0\"></span>OCI) with recycling <span class=\"_ _0\"></span>to profit or loss upon disposal <span class=\"_ _0\"></span>for debt instrumen<span class=\"_ _0\"></span>ts; \u2022 <span class=\"_ _59\"> </span>FVOCI without r<span class=\"_ _0\"></span>ecycling to profit or<span class=\"_ _0\"></span> loss for equity<span class=\"_ _0\"></span> instruments; or \u2022 <span class=\"_ _59\"> </span>amortised cost<span class=\"_ _2\"></span>. Financial liabilities, other than loan c<span class=\"_ _0\"></span>ommitments and financial guaran<span class=\"_ _0\"></span>tees, are measured at amortised cost or<span class=\"_ _0\"></span> at FVTPL if the<span class=\"_ _0\"></span>y are held for<span class=\"_ _0\"></span> trading. Embedded derivatives ar<span class=\"_ _0\"></span>e not separated f<span class=\"_ _0\"></span>rom a host financial asset. Instead, financial assets ar<span class=\"_ _0\"></span>e classified based on the business model and their contractual terms. All derivative instruments ar<span class=\"_ _0\"></span>e measured at FVTPL.<span class=\"_ _3e0\"> </span>Measurement o<span class=\"_ _0\"></span>f financial instruments at initial rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>When financial instruments ar<span class=\"_ _0\"></span>e recognised initially<span class=\"_ _d\"></span>, they<span class=\"_ _0\"></span> are measur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value, adjusted, in the case o<span class=\"_ _0\"></span>f instruments not at FVTPL<span class=\"_ _2\"></span>, for<span class=\"_ _0\"></span> directly attribut<span class=\"_ _0\"></span>able fees and costs.<span class=\"_ _3e0\"> </span>The best evidence of <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> value of a financial instrumen<span class=\"_ _0\"></span>t at initial recognition is normally<span class=\"_ _0\"></span> the transaction price. If<span class=\"_ _0\"></span> the Group determines that the f<span class=\"_ _0\"></span>air value at initial recognition differ<span class=\"_ _0\"></span>s from the tr<span class=\"_ _0\"></span>ansaction price, then:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>if the f<span class=\"_ _0\"></span>air value is evidenced b<span class=\"_ _0\"></span>y a quoted pric<span class=\"_ _0\"></span>e in an active market f<span class=\"_ _0\"></span>or an identical asset or<span class=\"_ _0\"></span> liability (i.e., a Lev<span class=\"_ _0\"></span>el 1 input) or based on a valuation technique <span class=\"_ _0\"></span>that uses only data f<span class=\"_ _0\"></span>rom observable markets, <span class=\"_ _0\"></span>the Group rec<span class=\"_ _0\"></span>ognises the diff<span class=\"_ _0\"></span>erence between the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price as a gain or loss;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>in all other cases, the initial measur<span class=\"_ _0\"></span>ement of the financial instr<span class=\"_ _0\"></span>ument is adjusted to def<span class=\"_ _0\"></span>er the diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, the Gr<span class=\"_ _0\"></span>oup recognises that def<span class=\"_ _0\"></span>erred dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e as a gain or loss only <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that it arises from a change in a <span class=\"_ _0\"></span>factor (including time<span class=\"_ _d\"></span>) that market participants would t<span class=\"_ _0\"></span>ake into accoun<span class=\"_ _0\"></span>t when pricing the asset or liability<span class=\"_ _d\"></span>. Subsequent measur<span class=\"_ _0\"></span>ement of financial instruments Financial instruments measur<span class=\"_ _0\"></span>ed at amortised costThe Group measur<span class=\"_ _0\"></span>es amounts due fr<span class=\"_ _0\"></span>om credit institutions, loans to customer<span class=\"_ _0\"></span>s and other financial assets at amortised cost if both of the f<span class=\"_ _0\"></span>ollowing conditions ar<span class=\"_ _0\"></span>e met:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The financial asset is held within a business model with <span class=\"_ _0\"></span>the objective to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash<span class=\"_ gs7d\"> </span>flows.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The contractual t<span class=\"_ _0\"></span>erms of the financial asset give rise on specified dates <span class=\"_ _0\"></span>to cash flows that ar<span class=\"_ _0\"></span>e solely payments of<span class=\"_ _0\"></span> principal and interes<span class=\"_ _0\"></span>t (SPPI) on the principal amount outstanding.<span class=\"_ _3e0\"> </span>The details of these c<span class=\"_ _0\"></span>onditions are outlined below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Business modelThe Group determines its busine<span class=\"_ _0\"></span>ss model at the level that best r<span class=\"_ _0\"></span>eflects how it manages groups of<span class=\"_ _0\"></span> financial assets to achieve its business objective. <span class=\"_ _0\"></span>The business model is not assessed on an instrument-by<span class=\"_ _0\"></span>-instrument basis, but at a higher lev<span class=\"_ _0\"></span>el of aggregated portfolios per instr<span class=\"_ _0\"></span>ument type and is based on the f<span class=\"_ _0\"></span>ollowing observable factors:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The risks that aff<span class=\"_ _0\"></span>ect the performance of the business model (<span class=\"_ _d\"></span>and the financial assets held within that business model) and, in particular<span class=\"_ _d\"></span>, the way those risks are managed.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How managers of <span class=\"_ _0\"></span>the business are compensated (f<span class=\"_ _0\"></span>or ex<span class=\"_ _0\"></span>ample, whether the c<span class=\"_ _0\"></span>ompensation is based on the fair<span class=\"_ _0\"></span> value of the assets managed or on the con<span class=\"_ _0\"></span>tractual cash flows collected).<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How financial assets held within particular busines<span class=\"_ _0\"></span>s model are evaluated and r<span class=\"_ _0\"></span>eported to ke<span class=\"_ _0\"></span>y management personnel.<span class=\"_ _3e0\"> </span>The expected f<span class=\"_ _0\"></span>requency<span class=\"_ _d\"></span>, value and timing of sales ar<span class=\"_ _0\"></span>e also important aspects of the assessment. The business model assessmen<span class=\"_ _0\"></span>t is based on reasonably<span class=\"_ _0\"></span> expected scenarios without <span class=\"_ _0\"></span>taking \u2018worst case\u2019 or<span class=\"_ _0\"></span> \u2018str<span class=\"_ _0\"></span>ess case\u2019 scenarios in<span class=\"_ _0\"></span>to account. If cash flows af<span class=\"_ _0\"></span>ter initial recognition ar<span class=\"_ _0\"></span>e realised in a way<span class=\"_ _0\"></span> that is diff<span class=\"_ _0\"></span>erent <span class=\"_ _0\"></span>from the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s original expectations, the Group does no<span class=\"_ _0\"></span>t change the classification of the r<span class=\"_ _0\"></span>emaining financial assets held in that business model, but inc<span class=\"_ _0\"></span>orporates such inf<span class=\"_ _0\"></span>ormation when assessing newly originat<span class=\"_ _0\"></span>ed or newly pur<span class=\"_ _0\"></span>chased financial assets going f<span class=\"_ _0\"></span>orward.<span class=\"_ _3e0\"> </span>There ar<span class=\"_ _0\"></span>e three business models available under<span class=\"_ _0\"></span> IFRS 9:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Hold to collect: It is intended to hold <span class=\"_ _0\"></span>the asset to maturity to earn in<span class=\"_ _0\"></span>terest, collecting repayments of principal and in<span class=\"_ _0\"></span>terest f<span class=\"_ _0\"></span>orm the counterparty<span class=\"_ _d\"></span>. \u2022 <span class=\"_ _59\"> </span>Hold to collect and sell: This model is similar<span class=\"_ _0\"></span> to the hold to collect model, e<span class=\"_ _0\"></span>xcept that <span class=\"_ _0\"></span>the entity may<span class=\"_ _0\"></span> elect to sell some or all of the assets bef<span class=\"_ _0\"></span>ore maturity as cir<span class=\"_ _0\"></span>cumstances change or to hold <span class=\"_ _0\"></span>the assets for<span class=\"_ _0\"></span> liquidity purposes. \u2022 <span class=\"_ _59\"> </span>Other: All those models that do not meet <span class=\"_ _0\"></span>the \u2018hold to collect\u2019 or \u2018hold to c<span class=\"_ _0\"></span>ollect and sell\u2019 qualifying criteria. Solely P<span class=\"_ _0\"></span>ayments of Principal and Inter<span class=\"_ _0\"></span>est (SPPI)If a financial asset is held in either<span class=\"_ _0\"></span> a \u2018hold to collect\u2019 or a \u2018hold to collect and sell\u2019 business model, then <span class=\"_ _0\"></span>the Group assesses whether<span class=\"_ _0\"></span> contr<span class=\"_ _0\"></span>actual cash flows are SPPI on <span class=\"_ _0\"></span>the principal amount outstanding at initial recognition t<span class=\"_ _0\"></span>o determine the classification. The SPPI test is performed on an individual instrumen<span class=\"_ _0\"></span>t basis.<span class=\"_ _3e0\"> </span>Contr<span class=\"_ _0\"></span>actual cash flows that repr<span class=\"_ _0\"></span>esent SPPI on the principal amount outstanding ar<span class=\"_ _0\"></span>e consistent with basic lending arr<span class=\"_ _0\"></span>angements. Interes<span class=\"_ _0\"></span>t is consideration f<span class=\"_ _0\"></span>or the time v<span class=\"_ _0\"></span>alue of money<span class=\"_ _0\"></span> and the credit risk associated <span class=\"_ _0\"></span>with the principal amount outstanding during a particular period of time. It c<span class=\"_ _0\"></span>an also include consideration f<span class=\"_ _0\"></span>or other basic lending risks (<span class=\"_ _d\"></span>e.g. liquidity risk) and costs (<span class=\"_ _0\"></span>e.g. administrativ<span class=\"_ _0\"></span>e costs) associated with holding the <span class=\"_ _0\"></span>financial asset for<span class=\"_ _0\"></span> a particular period of time, and a pr<span class=\"_ _0\"></span>ofit margin that is consistent with a basic lending arr<span class=\"_ _0\"></span>angement.<span class=\"_ _3e0\"> </span>In assessing whether <span class=\"_ _0\"></span>the contractual cash <span class=\"_ _0\"></span>flows are SPPI, the Gr<span class=\"_ _0\"></span>oup considers whether <span class=\"_ _0\"></span>the contractual terms o<span class=\"_ _0\"></span>f the financial asset contain a term <span class=\"_ _0\"></span>that could change the timing or amoun<span class=\"_ _0\"></span>t of contractual cash <span class=\"_ _0\"></span>flows arising over the lif<span class=\"_ _0\"></span>e of the instrumen<span class=\"_ _0\"></span>t which could aff<span class=\"_ _0\"></span>ect whether the instrument is considered to meet the SPPI test.<span class=\"_ _3e0\"> </span>If the SPPI test is <span class=\"_ _0\"></span>failed, such financial assets ar<span class=\"_ _0\"></span>e measured at FVTPL <span class=\"_ _0\"></span>with interest earned r<span class=\"_ _0\"></span>ecognised in other inter<span class=\"_ _0\"></span>est income.<span class=\"_ _3e0\"> </span>Debt instruments at FV<span class=\"_ _0\"></span>OCIThe Group measur<span class=\"_ _0\"></span>es debt investment securities at FV<span class=\"_ _0\"></span>OCI when both of the <span class=\"_ _0\"></span>following categories ar<span class=\"_ _0\"></span>e met: \u2022 <span class=\"_ _59\"> </span>The instrument is held within a business model, the objective of<span class=\"_ _0\"></span> which is achieved by<span class=\"_ _0\"></span> collecting contr<span class=\"_ _0\"></span>actual cash flows, selling financial assets and holding such financial instruments <span class=\"_ _0\"></span>for liquidity<span class=\"_ _0\"></span> management purposes.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span><span class=\"ws16\">The contractual terms of the financial asset meet the SPPI test.<span class=\"_ _3e0\"> </span></span>FVOCI debt in<span class=\"_ _0\"></span>vestment securities are subsequently<span class=\"_ _0\"></span> measured at f<span class=\"_ _0\"></span>air value <span class=\"_ _0\"></span>with gains and losses arising due to changes in f<span class=\"_ _0\"></span>air value rec<span class=\"_ _0\"></span>ognised in OCI. Interest income and <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange gains and losses ar<span class=\"_ _0\"></span>e recognised in pr<span class=\"_ _0\"></span>ofit or loss in the same manner as f<span class=\"_ _0\"></span>or financial assets measured at amortised cost. On derec<span class=\"_ _0\"></span>ognition, cumulative gains or losses pre<span class=\"_ _0\"></span>viously rec<span class=\"_ _0\"></span>ognised in OCI are reclassified f<span class=\"_ _0\"></span>rom OCI to pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _3e0\"> </span>Equity instr<span class=\"_ _0\"></span>uments at FVOCI \u2013 optionUpon initial recognition, <span class=\"_ _0\"></span>the Group may elect <span class=\"_ _0\"></span>to classify irre<span class=\"_ _0\"></span>vocably its equity<span class=\"_ _0\"></span> instruments as equity instruments at FV<span class=\"_ _0\"></span>OCI when they<span class=\"_ _0\"></span> meet the definition of equity<span class=\"_ _0\"></span> under IAS 32 Financial Instruments: Pr<span class=\"_ _0\"></span>esentation and are not held <span class=\"_ _0\"></span>for tr<span class=\"_ _0\"></span>ading. Such classification is determined on an instrument-b<span class=\"_ _0\"></span>y-instrument basis. The Group does not r<span class=\"_ _0\"></span>ecycle gains and losses on these equity ins<span class=\"_ _0\"></span>truments to profit or<span class=\"_ _0\"></span> loss nor does it make impairmen<span class=\"_ _0\"></span>t assessment for<span class=\"_ _0\"></span> these instruments. Dividends rec<span class=\"_ _0\"></span>eived are r<span class=\"_ _0\"></span>ecognised in profit or loss. Financial assets at FVTPLGroups of<span class=\"_ _0\"></span> financial assets for<span class=\"_ _0\"></span> which the business model is other <span class=\"_ _0\"></span>than \u2018hold to collect\u2019 and \u2018hold to collect and sell\u2019 are measur<span class=\"_ _0\"></span>ed at<span class=\"_ gs7d\"> </span>FVTPL<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Derivatives r<span class=\"_ _0\"></span>ecorded at FVTPLThe Group ent<span class=\"_ _0\"></span>ers into derivative tr<span class=\"_ _0\"></span>ansactions with various count<span class=\"_ _0\"></span>erparties. These include interest r<span class=\"_ _0\"></span>ate swaps, f<span class=\"_ _0\"></span>orwards and other similar instruments. Derivativ<span class=\"_ _0\"></span>es are rec<span class=\"_ _0\"></span>orded at f<span class=\"_ _0\"></span>air value and carried as assets <span class=\"_ _0\"></span>when their f<span class=\"_ _0\"></span>air value is positive and as liabilities when their f<span class=\"_ _0\"></span>air value is negativ<span class=\"_ _0\"></span>e. Net changes in the f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> derivatives are included in Net other<span class=\"_ _0\"></span> gains/(losses), ex<span class=\"_ _0\"></span>cluding gain/<span class=\"_ _3e0\"> </span>loss on f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change derivatives which ar<span class=\"_ _0\"></span>e presented in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain. Fr<span class=\"_ _0\"></span>om the beginning of 2019<span class=\"_ _d\"></span>, the Group enters into certain cro<span class=\"_ _0\"></span>ss-currency swap agr<span class=\"_ _0\"></span>eements to match its f<span class=\"_ _0\"></span>unding costs in certain currencies with <span class=\"_ _0\"></span>the income generated f<span class=\"_ _0\"></span>rom lending activities in these currencies. <span class=\"_ _0\"></span>As a result, the Group economic<span class=\"_ _0\"></span>ally hedges the inter<span class=\"_ _0\"></span>est rate risk, howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, no hedge accounting under IFRS 9 is applied. Net changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of such derivative financial instrumen<span class=\"_ _0\"></span>ts, which are pr<span class=\"_ _0\"></span>esented in net for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> gain, excludes un<span class=\"_ _0\"></span>winding of the locked-in in<span class=\"_ _0\"></span>terest diff<span class=\"_ _0\"></span>erential <span class=\"_ _0\"></span>which is presented as part of inter<span class=\"_ _0\"></span>est expense to r<span class=\"_ _0\"></span>eflect risk management objective of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>Financial guaran<span class=\"_ _0\"></span>tees, letter of<span class=\"_ _0\"></span> credits and other financial c<span class=\"_ _0\"></span>ommitmentsThe Group ent<span class=\"_ _0\"></span>ers into the financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts whereby<span class=\"_ _0\"></span> it is requir<span class=\"_ _0\"></span>ed to make specified payments t<span class=\"_ _0\"></span>o reimburse the holder for<span class=\"_ _0\"></span> a loss it incurs because a specified debtor f<span class=\"_ _0\"></span>ails to mak<span class=\"_ _0\"></span>e payment when due. Financial guar<span class=\"_ _0\"></span>antees, letter of<span class=\"_ _0\"></span> credits and other financial commitments ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>ognised in the financial statements at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>, being the premium r<span class=\"_ _0\"></span>eceived. Subsequent to initial recognition, <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under each guaran<span class=\"_ _0\"></span>tee is measured at the higher o<span class=\"_ _0\"></span>f the amount initially r<span class=\"_ _0\"></span>ecognised, less cumulative amortisation recognised in <span class=\"_ _0\"></span>the consolidated income statement and an e<span class=\"_ _0\"></span>xpected credit loss (ECL) pro<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>Non-financial guarant<span class=\"_ _0\"></span>eesThe Group ent<span class=\"_ _0\"></span>ers into non-financial guaran<span class=\"_ _0\"></span>tee contracts wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> it is required <span class=\"_ _0\"></span>to compensate to the holder in c<span class=\"_ _0\"></span>ase another party fails <span class=\"_ _0\"></span>to meet its contractual obligations. Non-financial guar<span class=\"_ _0\"></span>antees are initially<span class=\"_ _0\"></span> recognised in <span class=\"_ _0\"></span>the financial statements at f<span class=\"_ _0\"></span>air value, being the premium r<span class=\"_ _0\"></span>eceived, amortised on a straigh<span class=\"_ _0\"></span>t-line basis over the lif<span class=\"_ _0\"></span>e of the contr<span class=\"_ _0\"></span>act. Subsequent to initial recognition the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under non-financial guar<span class=\"_ _0\"></span>antee is measured at <span class=\"_ _0\"></span>the amount that repr<span class=\"_ _0\"></span>esents the best estimate of <span class=\"_ _0\"></span>the expenditure requir<span class=\"_ _0\"></span>ed to settle the pr<span class=\"_ _0\"></span>esent obligation. The estimate <span class=\"_ _0\"></span>takes into acc<span class=\"_ _0\"></span>ount the probability<span class=\"_ _0\"></span> of another party def<span class=\"_ _0\"></span>aulting on its obligations as well as available collat<span class=\"_ _0\"></span>eral under the guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts and is recognised in the consolidated inc<span class=\"_ _0\"></span>ome statement as part of other e<span class=\"_ _0\"></span>xpected credit.<span class=\"_ _3e0\"> </span>Borro<span class=\"_ _0\"></span>wings<span class=\"_ _3e0\"> </span>The Group classifies issued <span class=\"_ _0\"></span>financial instruments or their c<span class=\"_ _0\"></span>omponents as liabilities, where the sub<span class=\"_ _0\"></span>stance of the contr<span class=\"_ _0\"></span>actual arrangement r<span class=\"_ _0\"></span>esults in the Group having an obligation either<span class=\"_ _0\"></span> to deliver cash or<span class=\"_ _0\"></span> another financial asset to <span class=\"_ _0\"></span>the holder<span class=\"_ _d\"></span>, or to satisfy the obligation other than b<span class=\"_ _0\"></span>y the e<span class=\"_ _0\"></span>xchange of a <span class=\"_ _0\"></span>fixed amount of cash or<span class=\"_ _0\"></span> another financial asset f<span class=\"_ _0\"></span>or a fix<span class=\"_ _0\"></span>ed number of own equity instruments. Such instruments include amoun<span class=\"_ _0\"></span>ts due to credit institutions and amounts due <span class=\"_ _0\"></span>to customers (including promissory notes issued). T<span class=\"_ _0\"></span>he Group initially r<span class=\"_ _0\"></span>ecognises these liabilities at the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of the consider<span class=\"_ _0\"></span>ation received less dir<span class=\"_ _0\"></span>ectly attributable transaction costs. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, borrowings ar<span class=\"_ _0\"></span>e subsequently<span class=\"_ _0\"></span> measured at amortised cost, using the effectiv<span class=\"_ _0\"></span>e interest rate (EIR) method. Gains and losses ar<span class=\"_ _0\"></span>e recognised in <span class=\"_ _0\"></span>the consolidated income statement when <span class=\"_ _0\"></span>the borrowings ar<span class=\"_ _0\"></span>e derecognised as well as thr<span class=\"_ _0\"></span>ough the amortisation process. Issued Additional <span class=\"_ _0\"></span>Tier 1 instruments with perpetual mat<span class=\"_ _0\"></span>urity and discretionary inter<span class=\"_ _0\"></span>est payments are classified as <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _2\"></span> when the instruments ar<span class=\"_ _0\"></span>e not convertible into equity<span class=\"_ _0\"></span> and the Group does not have an unc<span class=\"_ _0\"></span>onditional right to avoid delivering cash upon a predetermined <span class=\"_ _0\"></span>trigger event that is be<span class=\"_ _0\"></span>yond the contr<span class=\"_ _0\"></span>ol of both the issuer<span class=\"_ _0\"></span> and the holder of the instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Such instruments are measured at amortised cost with r<span class=\"_ _0\"></span>espective interes<span class=\"_ _0\"></span>t presented as part of inter<span class=\"_ _0\"></span>est expense in the consolidat<span class=\"_ _0\"></span>ed income statement.<span class=\"_ _3e0\"> </span>If the Gr<span class=\"_ _0\"></span>oup purchases its own debt, it is remov<span class=\"_ _0\"></span>ed from <span class=\"_ _0\"></span>the statement of financial position and the dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ence between the carrying amount of the liability<span class=\"_ _0\"></span> and the consideration paid is r<span class=\"_ _0\"></span>ecognised in the consolidated inc<span class=\"_ _0\"></span>ome statement.<span class=\"_ _3e0\"> </span>Impairment of financial asse<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span>Overview of the E<span class=\"_ _0\"></span>CL principles<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords an allowanc<span class=\"_ _0\"></span>e for E<span class=\"_ _0\"></span>CL f<span class=\"_ _0\"></span>or all loans and other debt financial as<span class=\"_ _0\"></span>sets not held at FVTPL<span class=\"_ _2\"></span>, together with loan commitments and financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts, in this section all referr<span class=\"_ _0\"></span>ed to as \u2018financial assets\u2019<span class=\"_ _38\"></span>. The allowance is based on the E<span class=\"_ _0\"></span>CL associated with a pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (PD) in the next 12 months unle<span class=\"_ _0\"></span>ss there has been a significant incr<span class=\"_ _0\"></span>ease in credit risk since origination, in which c<span class=\"_ _0\"></span>ase the allowance is based on the ECL<span class=\"_ _0\"></span> over <span class=\"_ _0\"></span>the life of the asse<span class=\"_ _0\"></span>t (lifetime ECL). If the financial asse<span class=\"_ _0\"></span>t meets the definition of pur<span class=\"_ _0\"></span>chased or originated credit-impair<span class=\"_ _0\"></span>ed (POCI), the allowance is based on the change in the lif<span class=\"_ _0\"></span>etime ECL<span class=\"_ _2\"></span>. The Group applies <span class=\"_ _0\"></span>the simplified approach f<span class=\"_ _0\"></span>or trade<span class=\"_ _0\"></span>, lease and other receiv<span class=\"_ _0\"></span>ables and contract assets and r<span class=\"_ _0\"></span>ecords lif<span class=\"_ _0\"></span>etime ECLs on<span class=\"_ gs7d\"> </span>them. In order <span class=\"_ _0\"></span>to calculate ECL, the Group first e<span class=\"_ _0\"></span>valuates whether objective evidenc<span class=\"_ _0\"></span>e of impairment exists f<span class=\"_ _0\"></span>or loans that ar<span class=\"_ _0\"></span>e individually significant. It then collectively<span class=\"_ _0\"></span> assesses loans that are not individually<span class=\"_ _0\"></span> significant and loans which ar<span class=\"_ _0\"></span>e significant but f<span class=\"_ _0\"></span>or which ther<span class=\"_ _0\"></span>e is no objective evidence of impairmen<span class=\"_ _0\"></span>t available under the individual assessment.<span class=\"_ _3e0\"> </span>Derec<span class=\"_ _0\"></span>ognition of financial assets and liabilities<span class=\"_ _3e0\"> </span>Derecognition o<span class=\"_ _0\"></span>f financial assets<span class=\"_ _3e0\"> </span>The Group der<span class=\"_ _0\"></span>ecognises a financial asset (<span class=\"_ _0\"></span>or<span class=\"_ _d\"></span>, where applic<span class=\"_ _0\"></span>able, a part of a financial asset or part of a gr<span class=\"_ _0\"></span>oup of similar financial assets) wher<span class=\"_ _0\"></span>e:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the rights to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom the asset hav<span class=\"_ _0\"></span>e expired; or<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the Group has tr<span class=\"_ _0\"></span>ansferred its righ<span class=\"_ _0\"></span>ts to receiv<span class=\"_ _0\"></span>e cash flows fr<span class=\"_ _0\"></span>om the asset, or ret<span class=\"_ _0\"></span>ained the right to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom the asset, but has assumed an obligation to pay <span class=\"_ _0\"></span>them in full without material delay<span class=\"_ _0\"></span> to a third party under<span class=\"_ _0\"></span> a \u2018pass-thr<span class=\"_ _0\"></span>ough\u2019 arrangement; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the Group either (<span class=\"_ _d\"></span>a) has transferr<span class=\"_ _0\"></span>ed substantially all <span class=\"_ _0\"></span>the risks and rewar<span class=\"_ _0\"></span>ds of the asset, or (b<span class=\"_ _0\"></span>) has neither transf<span class=\"_ _0\"></span>erred nor<span class=\"_ _0\"></span> retained subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ewards of<span class=\"_ _0\"></span> the asset, but has transferr<span class=\"_ _0\"></span>ed contr<span class=\"_ _0\"></span>ol of the asset.<span class=\"_ _3e0\"> </span>Derecognition and modific<span class=\"_ _0\"></span>ation of financial assets<span class=\"_ _3e0\"> </span>The Group sometimes r<span class=\"_ _0\"></span>enegotiates or otherwise modifies the con<span class=\"_ _0\"></span>tractual cash flows of<span class=\"_ _0\"></span> financial assets. When this happens, the Group assesses <span class=\"_ _0\"></span>whether or not the new<span class=\"_ _0\"></span> terms are substan<span class=\"_ _0\"></span>tially diff<span class=\"_ _0\"></span>erent to <span class=\"_ _0\"></span>the original terms, based on qualitative and quantitative criteria. <span class=\"_ _0\"></span>The Group der<span class=\"_ _0\"></span>ecognises a financial asset, such as a loan to a customer<span class=\"_ _d\"></span>, when the terms and c<span class=\"_ _0\"></span>onditions have been renegotiated <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that<span class=\"_ _2\"></span>, substantially<span class=\"_ _d\"></span>, it becomes a new loan, e<span class=\"_ _0\"></span>xcept in cases <span class=\"_ _0\"></span>when renegotiation of con<span class=\"_ _0\"></span>tractual terms happens due to financial dif<span class=\"_ _0\"></span>ficulties of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _d\"></span>. Once the financial asset is der<span class=\"_ _0\"></span>ecognised, the diff<span class=\"_ _0\"></span>erence is r<span class=\"_ _0\"></span>ecognised as a derecognition gain or<span class=\"_ _0\"></span> loss, to the ext<span class=\"_ _0\"></span>ent that an impairment loss has not alr<span class=\"_ _0\"></span>eady been rec<span class=\"_ _0\"></span>orded. The ne<span class=\"_ _0\"></span>wly rec<span class=\"_ _0\"></span>ognised loans are classified as Stage 1 f<span class=\"_ _0\"></span>or ECL<span class=\"_ _0\"></span> measurement purposes, unless the new<span class=\"_ _0\"></span> loan is deemed to be POCI.<span class=\"_ _3e0\"> </span>The Group applies der<span class=\"_ _0\"></span>ecognition of the financial asse<span class=\"_ _0\"></span>t if any o<span class=\"_ _0\"></span>f the follo<span class=\"_ _0\"></span>wing criteria are met: \u2022 <span class=\"_ _59\"> </span>Change in currency o<span class=\"_ _0\"></span>f the loan. \u2022 <span class=\"_ _59\"> </span>Change in interest r<span class=\"_ _0\"></span>ate type.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Introduction of an equity<span class=\"_ _0\"></span> featur<span class=\"_ _0\"></span>e.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Change in counterparty<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>If the terms ar<span class=\"_ _0\"></span>e not substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent, or the renegotiation is due <span class=\"_ _0\"></span>to the financial difficulties of <span class=\"_ _0\"></span>the borrower<span class=\"_ _5\"></span>, such renegotiation or modification does not r<span class=\"_ _0\"></span>esult in derecognition, and <span class=\"_ _0\"></span>the Group recalculat<span class=\"_ _0\"></span>es the gross carrying amount based on the r<span class=\"_ _0\"></span>evised cash flows of<span class=\"_ _0\"></span> the financial asset and rec<span class=\"_ _0\"></span>ognises a modification gain or loss in inter<span class=\"_ _0\"></span>est income. The ne<span class=\"_ _0\"></span>w gross carrying amount is calculated by<span class=\"_ _0\"></span> discounting the modified c<span class=\"_ _0\"></span>ash flows at the original EIR.<span class=\"_ _3e0\"> </span>Forbear<span class=\"_ _0\"></span>ance and modified loans<span class=\"_ _3e0\"> </span>The Group sometimes mak<span class=\"_ _0\"></span>es concessions or modific<span class=\"_ _0\"></span>ations to the original terms of <span class=\"_ _0\"></span>the loans as a response to the borr<span class=\"_ _0\"></span>ower\u2019<span class=\"_ _0\"></span>s financial difficulties, r<span class=\"_ _0\"></span>ather than taking possession or<span class=\"_ _0\"></span> otherwise enfor<span class=\"_ _0\"></span>cing collection of collateral. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>s a loan forborne <span class=\"_ _0\"></span>when such concessions or modifications ar<span class=\"_ _0\"></span>e provided as a r<span class=\"_ _0\"></span>esult of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s present or<span class=\"_ _0\"></span> expected financial difficulties and the Group <span class=\"_ _0\"></span>would not have agreed <span class=\"_ _0\"></span>to them if the borro<span class=\"_ _0\"></span>wer had been financially<span class=\"_ _0\"></span> healthy<span class=\"_ _d\"></span>. Forbearance may<span class=\"_ _0\"></span> involve e<span class=\"_ _0\"></span>xtending the payment arrangemen<span class=\"_ _0\"></span>ts and the agreement of ne<span class=\"_ _0\"></span>w loan conditions. Once the t<span class=\"_ _0\"></span>erms have been renegotiated, an<span class=\"_ _0\"></span>y impairment is measured using the original EIR as c<span class=\"_ _0\"></span>alculated befor<span class=\"_ _0\"></span>e the modification of terms. Onc<span class=\"_ _0\"></span>e the asset has been identified as f<span class=\"_ _0\"></span>orborne, the assets are classified in S<span class=\"_ _0\"></span>tage 3. The decision as to how<span class=\"_ _0\"></span> long the asset remains in <span class=\"_ _0\"></span>the forborne category is determined on a case-by<span class=\"_ _0\"></span>-case basis for<span class=\"_ _0\"></span> commercial and SME loans, when a minimum six<span class=\"_ _0\"></span> consecutive payments are r<span class=\"_ _0\"></span>equired f<span class=\"_ _0\"></span>or the r<span class=\"_ _0\"></span>est of the loans to exit f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>forbearanc<span class=\"_ _0\"></span>e categor<span class=\"_ _2\"></span>y and <span class=\"_ _0\"></span>transfer<span class=\"_ _0\"></span> to Stage 2. Once the loan is tr<span class=\"_ _0\"></span>ansferred <span class=\"_ _0\"></span>to Stage 2, the Group con<span class=\"_ _0\"></span>tinues to reassess <span class=\"_ _0\"></span>whether there has been a signific<span class=\"_ _0\"></span>ant increase in credit risk, how<span class=\"_ _0\"></span>ever<span class=\"_ _d\"></span>, such assets remain in Stage 2 <span class=\"_ _0\"></span>for a minimum 12-mon<span class=\"_ _0\"></span>th probation period bef<span class=\"_ _0\"></span>ore being tr<span class=\"_ _0\"></span>ansferr<span class=\"_ _0\"></span>ed to Stage 1. Derecognition o<span class=\"_ _0\"></span>f financial liabilities<span class=\"_ _3e0\"> </span>The Group der<span class=\"_ _0\"></span>ecognises a financial liability <span class=\"_ _0\"></span>when the obligation under the liability is dischar<span class=\"_ _0\"></span>ged, cancelled or e<span class=\"_ _0\"></span>xpires.<span class=\"_ _3e0\"> </span>Where an e<span class=\"_ _0\"></span>xisting financial liability is r<span class=\"_ _0\"></span>eplaced by<span class=\"_ _0\"></span> another fr<span class=\"_ _0\"></span>om the same lender on substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent terms, or <span class=\"_ _0\"></span>the terms of an existing liability<span class=\"_ _0\"></span> are substantially<span class=\"_ _0\"></span> modified, such an ex<span class=\"_ _0\"></span>change or modification is tr<span class=\"_ _0\"></span>eated as a derecognition of <span class=\"_ _0\"></span>the original liability and the r<span class=\"_ _0\"></span>ecognition of a new liability<span class=\"_ _d\"></span>, and the diff<span class=\"_ _0\"></span>erence in <span class=\"_ _0\"></span>the respective carrying amounts is recognised in <span class=\"_ _0\"></span>the consolidated income<span class=\"_ gs7d\"> </span>statement. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-758": {
   "value": "Fair v<span class=\"_ _0\"></span>alue measurement<span class=\"_ _3e0\"> </span>The Group measur<span class=\"_ _0\"></span>es financial instruments, such as tr<span class=\"_ _0\"></span>ading and investment securities, certain loans t<span class=\"_ _0\"></span>o customers, derivatives and non-financial assets such as inv<span class=\"_ _0\"></span>estment properties, at f<span class=\"_ _0\"></span>air value at each balance sheet date<span class=\"_ _0\"></span>. Also, f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial instruments measured at amortised cost ar<span class=\"_ _0\"></span>e disclosed in Note 31.<span class=\"_ _3e0\"> </span>The Group uses <span class=\"_ _0\"></span>valuation techniques that ar<span class=\"_ _0\"></span>e appropriate in the cir<span class=\"_ _0\"></span>cumstances and for<span class=\"_ _0\"></span> which sufficient data is available <span class=\"_ _0\"></span>to measure fair<span class=\"_ _0\"></span> value, maximising the use of r<span class=\"_ _0\"></span>elevant observable inputs and minimising the use of<span class=\"_ _0\"></span> unobser<span class=\"_ _2\"></span>vable inputs.<span class=\"_ _3e0\"> </span>All assets and liabilities f<span class=\"_ _0\"></span>or which f<span class=\"_ _0\"></span>air value is measur<span class=\"_ _0\"></span>ed or disclosed in the financial statemen<span class=\"_ _0\"></span>ts are categorised within the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value hierar<span class=\"_ _0\"></span>chy<span class=\"_ _d\"></span>, described as follows, based on <span class=\"_ _0\"></span>the lowest level input that is significan<span class=\"_ _0\"></span>t to the f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ement as a whole:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 1 \u2212 Quoted (unadjusted) mark<span class=\"_ _0\"></span>et prices in active markets <span class=\"_ _0\"></span>for identic<span class=\"_ _0\"></span>al assets or liabilities.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 2 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is dir<span class=\"_ _0\"></span>ectly or indirectly<span class=\"_ _0\"></span> observable.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 3 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is unobservable.<span class=\"_ _3e0\"> </span>For asse<span class=\"_ _0\"></span>ts and liabilities that are r<span class=\"_ _0\"></span>ecognised in the financial statements on a r<span class=\"_ _0\"></span>ecurring basis, the Group determines <span class=\"_ _0\"></span>whether transf<span class=\"_ _0\"></span>ers have occurr<span class=\"_ _0\"></span>ed between levels in the hier<span class=\"_ _0\"></span>archy<span class=\"_ _0\"></span> by<span class=\"_ _0\"></span> reassessing categorisation (based on the lo<span class=\"_ _0\"></span>west level input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement as a <span class=\"_ _0\"></span>whole) at the end o<span class=\"_ _0\"></span>f each reporting period.<span class=\"_ _3e0\"> </span>Debt instruments at FV<span class=\"_ _0\"></span>OCIThe Group measur<span class=\"_ _0\"></span>es debt investment securities at FV<span class=\"_ _0\"></span>OCI when both of the <span class=\"_ _0\"></span>following categories ar<span class=\"_ _0\"></span>e met: \u2022 <span class=\"_ _59\"> </span>The instrument is held within a business model, the objective of<span class=\"_ _0\"></span> which is achieved by<span class=\"_ _0\"></span> collecting contr<span class=\"_ _0\"></span>actual cash flows, selling financial assets and holding such financial instruments <span class=\"_ _0\"></span>for liquidity<span class=\"_ _0\"></span> management purposes.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span><span class=\"ws16\">The contractual terms of the financial asset meet the SPPI test.<span class=\"_ _3e0\"> </span></span>FVOCI debt in<span class=\"_ _0\"></span>vestment securities are subsequently<span class=\"_ _0\"></span> measured at f<span class=\"_ _0\"></span>air value <span class=\"_ _0\"></span>with gains and losses arising due to changes in f<span class=\"_ _0\"></span>air value rec<span class=\"_ _0\"></span>ognised in OCI. Interest income and <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange gains and losses ar<span class=\"_ _0\"></span>e recognised in pr<span class=\"_ _0\"></span>ofit or loss in the same manner as f<span class=\"_ _0\"></span>or financial assets measured at amortised cost. On derec<span class=\"_ _0\"></span>ognition, cumulative gains or losses pre<span class=\"_ _0\"></span>viously rec<span class=\"_ _0\"></span>ognised in OCI are reclassified f<span class=\"_ _0\"></span>rom OCI to pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _3e0\"> </span>Equity instr<span class=\"_ _0\"></span>uments at FVOCI \u2013 optionUpon initial recognition, <span class=\"_ _0\"></span>the Group may elect <span class=\"_ _0\"></span>to classify irre<span class=\"_ _0\"></span>vocably its equity<span class=\"_ _0\"></span> instruments as equity instruments at FV<span class=\"_ _0\"></span>OCI when they<span class=\"_ _0\"></span> meet the definition of equity<span class=\"_ _0\"></span> under IAS 32 Financial Instruments: Pr<span class=\"_ _0\"></span>esentation and are not held <span class=\"_ _0\"></span>for tr<span class=\"_ _0\"></span>ading. Such classification is determined on an instrument-b<span class=\"_ _0\"></span>y-instrument basis. The Group does not r<span class=\"_ _0\"></span>ecycle gains and losses on these equity ins<span class=\"_ _0\"></span>truments to profit or<span class=\"_ _0\"></span> loss nor does it make impairmen<span class=\"_ _0\"></span>t assessment for<span class=\"_ _0\"></span> these instruments. Dividends rec<span class=\"_ _0\"></span>eived are r<span class=\"_ _0\"></span>ecognised in profit or loss. Financial assets at FVTPLGroups of<span class=\"_ _0\"></span> financial assets for<span class=\"_ _0\"></span> which the business model is other <span class=\"_ _0\"></span>than \u2018hold to collect\u2019 and \u2018hold to collect and sell\u2019 are measur<span class=\"_ _0\"></span>ed at<span class=\"_ gs7d\"> </span>FVTPL<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-698": {
   "value": "Fair v<span class=\"_ _0\"></span>alue measurement<span class=\"_ _3e0\"> </span>The Group measur<span class=\"_ _0\"></span>es financial instruments, such as tr<span class=\"_ _0\"></span>ading and investment securities, certain loans t<span class=\"_ _0\"></span>o customers, derivatives and non-financial assets such as inv<span class=\"_ _0\"></span>estment properties, at f<span class=\"_ _0\"></span>air value at each balance sheet date<span class=\"_ _0\"></span>. Also, f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial instruments measured at amortised cost ar<span class=\"_ _0\"></span>e disclosed in Note 31.<span class=\"_ _3e0\"> </span>The Group uses <span class=\"_ _0\"></span>valuation techniques that ar<span class=\"_ _0\"></span>e appropriate in the cir<span class=\"_ _0\"></span>cumstances and for<span class=\"_ _0\"></span> which sufficient data is available <span class=\"_ _0\"></span>to measure fair<span class=\"_ _0\"></span> value, maximising the use of r<span class=\"_ _0\"></span>elevant observable inputs and minimising the use of<span class=\"_ _0\"></span> unobser<span class=\"_ _2\"></span>vable inputs.<span class=\"_ _3e0\"> </span>All assets and liabilities f<span class=\"_ _0\"></span>or which f<span class=\"_ _0\"></span>air value is measur<span class=\"_ _0\"></span>ed or disclosed in the financial statemen<span class=\"_ _0\"></span>ts are categorised within the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value hierar<span class=\"_ _0\"></span>chy<span class=\"_ _d\"></span>, described as follows, based on <span class=\"_ _0\"></span>the lowest level input that is significan<span class=\"_ _0\"></span>t to the f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ement as a whole:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 1 \u2212 Quoted (unadjusted) mark<span class=\"_ _0\"></span>et prices in active markets <span class=\"_ _0\"></span>for identic<span class=\"_ _0\"></span>al assets or liabilities.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 2 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is dir<span class=\"_ _0\"></span>ectly or indirectly<span class=\"_ _0\"></span> observable.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Level 3 \u2212 V<span class=\"_ _d\"></span>aluation techniques f<span class=\"_ _0\"></span>or which the lowest le<span class=\"_ _0\"></span>vel input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement is unobservable.<span class=\"_ _3e0\"> </span>For asse<span class=\"_ _0\"></span>ts and liabilities that are r<span class=\"_ _0\"></span>ecognised in the financial statements on a r<span class=\"_ _0\"></span>ecurring basis, the Group determines <span class=\"_ _0\"></span>whether transf<span class=\"_ _0\"></span>ers have occurr<span class=\"_ _0\"></span>ed between levels in the hier<span class=\"_ _0\"></span>archy<span class=\"_ _0\"></span> by<span class=\"_ _0\"></span> reassessing categorisation (based on the lo<span class=\"_ _0\"></span>west level input that is significant to <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value measurement as a <span class=\"_ _0\"></span>whole) at the end o<span class=\"_ _0\"></span>f each reporting period.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-815": {
   "value": "Financial assets and liabilities<span class=\"_ _3e0\"> </span>Classification and measur<span class=\"_ _0\"></span>ement for financial as<span class=\"_ _0\"></span>sets and liabilities<span class=\"_ _3e0\"> </span>The Group classifies all of<span class=\"_ _0\"></span> its financial assets based on the business model f<span class=\"_ _0\"></span>or managing the assets and the asse<span class=\"_ _0\"></span>t\u2019<span class=\"_ _0\"></span>s contractual terms, measured at either:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through pr<span class=\"_ _0\"></span>ofit or loss (FVTPL);<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through other<span class=\"_ _0\"></span> comprehensive income (FV<span class=\"_ _0\"></span>OCI) with recycling <span class=\"_ _0\"></span>to profit or loss upon disposal <span class=\"_ _0\"></span>for debt instrumen<span class=\"_ _0\"></span>ts; \u2022 <span class=\"_ _59\"> </span>FVOCI without r<span class=\"_ _0\"></span>ecycling to profit or<span class=\"_ _0\"></span> loss for equity<span class=\"_ _0\"></span> instruments; or \u2022 <span class=\"_ _59\"> </span>amortised cost<span class=\"_ _2\"></span>. Financial liabilities, other than loan c<span class=\"_ _0\"></span>ommitments and financial guaran<span class=\"_ _0\"></span>tees, are measured at amortised cost or<span class=\"_ _0\"></span> at FVTPL if the<span class=\"_ _0\"></span>y are held for<span class=\"_ _0\"></span> trading. Embedded derivatives ar<span class=\"_ _0\"></span>e not separated f<span class=\"_ _0\"></span>rom a host financial asset. Instead, financial assets ar<span class=\"_ _0\"></span>e classified based on the business model and their contractual terms. All derivative instruments ar<span class=\"_ _0\"></span>e measured at FVTPL.<span class=\"_ _3e0\"> </span>Measurement o<span class=\"_ _0\"></span>f financial instruments at initial rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>When financial instruments ar<span class=\"_ _0\"></span>e recognised initially<span class=\"_ _d\"></span>, they<span class=\"_ _0\"></span> are measur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value, adjusted, in the case o<span class=\"_ _0\"></span>f instruments not at FVTPL<span class=\"_ _2\"></span>, for<span class=\"_ _0\"></span> directly attribut<span class=\"_ _0\"></span>able fees and costs.<span class=\"_ _3e0\"> </span>The best evidence of <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> value of a financial instrumen<span class=\"_ _0\"></span>t at initial recognition is normally<span class=\"_ _0\"></span> the transaction price. If<span class=\"_ _0\"></span> the Group determines that the f<span class=\"_ _0\"></span>air value at initial recognition differ<span class=\"_ _0\"></span>s from the tr<span class=\"_ _0\"></span>ansaction price, then:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>if the f<span class=\"_ _0\"></span>air value is evidenced b<span class=\"_ _0\"></span>y a quoted pric<span class=\"_ _0\"></span>e in an active market f<span class=\"_ _0\"></span>or an identical asset or<span class=\"_ _0\"></span> liability (i.e., a Lev<span class=\"_ _0\"></span>el 1 input) or based on a valuation technique <span class=\"_ _0\"></span>that uses only data f<span class=\"_ _0\"></span>rom observable markets, <span class=\"_ _0\"></span>the Group rec<span class=\"_ _0\"></span>ognises the diff<span class=\"_ _0\"></span>erence between the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price as a gain or loss;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>in all other cases, the initial measur<span class=\"_ _0\"></span>ement of the financial instr<span class=\"_ _0\"></span>ument is adjusted to def<span class=\"_ _0\"></span>er the diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, the Gr<span class=\"_ _0\"></span>oup recognises that def<span class=\"_ _0\"></span>erred dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e as a gain or loss only <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that it arises from a change in a <span class=\"_ _0\"></span>factor (including time<span class=\"_ _d\"></span>) that market participants would t<span class=\"_ _0\"></span>ake into accoun<span class=\"_ _0\"></span>t when pricing the asset or liability<span class=\"_ _d\"></span>. Subsequent measur<span class=\"_ _0\"></span>ement of financial instruments Financial instruments measur<span class=\"_ _0\"></span>ed at amortised costThe Group measur<span class=\"_ _0\"></span>es amounts due fr<span class=\"_ _0\"></span>om credit institutions, loans to customer<span class=\"_ _0\"></span>s and other financial assets at amortised cost if both of the f<span class=\"_ _0\"></span>ollowing conditions ar<span class=\"_ _0\"></span>e met:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The financial asset is held within a business model with <span class=\"_ _0\"></span>the objective to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash<span class=\"_ gs7d\"> </span>flows.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The contractual t<span class=\"_ _0\"></span>erms of the financial asset give rise on specified dates <span class=\"_ _0\"></span>to cash flows that ar<span class=\"_ _0\"></span>e solely payments of<span class=\"_ _0\"></span> principal and interes<span class=\"_ _0\"></span>t (SPPI) on the principal amount outstanding.<span class=\"_ _3e0\"> </span>The details of these c<span class=\"_ _0\"></span>onditions are outlined below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Business modelThe Group determines its busine<span class=\"_ _0\"></span>ss model at the level that best r<span class=\"_ _0\"></span>eflects how it manages groups of<span class=\"_ _0\"></span> financial assets to achieve its business objective. <span class=\"_ _0\"></span>The business model is not assessed on an instrument-by<span class=\"_ _0\"></span>-instrument basis, but at a higher lev<span class=\"_ _0\"></span>el of aggregated portfolios per instr<span class=\"_ _0\"></span>ument type and is based on the f<span class=\"_ _0\"></span>ollowing observable factors:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The risks that aff<span class=\"_ _0\"></span>ect the performance of the business model (<span class=\"_ _d\"></span>and the financial assets held within that business model) and, in particular<span class=\"_ _d\"></span>, the way those risks are managed.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How managers of <span class=\"_ _0\"></span>the business are compensated (f<span class=\"_ _0\"></span>or ex<span class=\"_ _0\"></span>ample, whether the c<span class=\"_ _0\"></span>ompensation is based on the fair<span class=\"_ _0\"></span> value of the assets managed or on the con<span class=\"_ _0\"></span>tractual cash flows collected).<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How financial assets held within particular busines<span class=\"_ _0\"></span>s model are evaluated and r<span class=\"_ _0\"></span>eported to ke<span class=\"_ _0\"></span>y management personnel.<span class=\"_ _3e0\"> </span>The expected f<span class=\"_ _0\"></span>requency<span class=\"_ _d\"></span>, value and timing of sales ar<span class=\"_ _0\"></span>e also important aspects of the assessment. The business model assessmen<span class=\"_ _0\"></span>t is based on reasonably<span class=\"_ _0\"></span> expected scenarios without <span class=\"_ _0\"></span>taking \u2018worst case\u2019 or<span class=\"_ _0\"></span> \u2018str<span class=\"_ _0\"></span>ess case\u2019 scenarios in<span class=\"_ _0\"></span>to account. If cash flows af<span class=\"_ _0\"></span>ter initial recognition ar<span class=\"_ _0\"></span>e realised in a way<span class=\"_ _0\"></span> that is diff<span class=\"_ _0\"></span>erent <span class=\"_ _0\"></span>from the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s original expectations, the Group does no<span class=\"_ _0\"></span>t change the classification of the r<span class=\"_ _0\"></span>emaining financial assets held in that business model, but inc<span class=\"_ _0\"></span>orporates such inf<span class=\"_ _0\"></span>ormation when assessing newly originat<span class=\"_ _0\"></span>ed or newly pur<span class=\"_ _0\"></span>chased financial assets going f<span class=\"_ _0\"></span>orward.<span class=\"_ _3e0\"> </span>There ar<span class=\"_ _0\"></span>e three business models available under<span class=\"_ _0\"></span> IFRS 9:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Hold to collect: It is intended to hold <span class=\"_ _0\"></span>the asset to maturity to earn in<span class=\"_ _0\"></span>terest, collecting repayments of principal and in<span class=\"_ _0\"></span>terest f<span class=\"_ _0\"></span>orm the counterparty<span class=\"_ _d\"></span>. \u2022 <span class=\"_ _59\"> </span>Hold to collect and sell: This model is similar<span class=\"_ _0\"></span> to the hold to collect model, e<span class=\"_ _0\"></span>xcept that <span class=\"_ _0\"></span>the entity may<span class=\"_ _0\"></span> elect to sell some or all of the assets bef<span class=\"_ _0\"></span>ore maturity as cir<span class=\"_ _0\"></span>cumstances change or to hold <span class=\"_ _0\"></span>the assets for<span class=\"_ _0\"></span> liquidity purposes. \u2022 <span class=\"_ _59\"> </span>Other: All those models that do not meet <span class=\"_ _0\"></span>the \u2018hold to collect\u2019 or \u2018hold to c<span class=\"_ _0\"></span>ollect and sell\u2019 qualifying criteria. Solely P<span class=\"_ _0\"></span>ayments of Principal and Inter<span class=\"_ _0\"></span>est (SPPI)If a financial asset is held in either<span class=\"_ _0\"></span> a \u2018hold to collect\u2019 or a \u2018hold to collect and sell\u2019 business model, then <span class=\"_ _0\"></span>the Group assesses whether<span class=\"_ _0\"></span> contr<span class=\"_ _0\"></span>actual cash flows are SPPI on <span class=\"_ _0\"></span>the principal amount outstanding at initial recognition t<span class=\"_ _0\"></span>o determine the classification. The SPPI test is performed on an individual instrumen<span class=\"_ _0\"></span>t basis.<span class=\"_ _3e0\"> </span>Contr<span class=\"_ _0\"></span>actual cash flows that repr<span class=\"_ _0\"></span>esent SPPI on the principal amount outstanding ar<span class=\"_ _0\"></span>e consistent with basic lending arr<span class=\"_ _0\"></span>angements. Interes<span class=\"_ _0\"></span>t is consideration f<span class=\"_ _0\"></span>or the time v<span class=\"_ _0\"></span>alue of money<span class=\"_ _0\"></span> and the credit risk associated <span class=\"_ _0\"></span>with the principal amount outstanding during a particular period of time. It c<span class=\"_ _0\"></span>an also include consideration f<span class=\"_ _0\"></span>or other basic lending risks (<span class=\"_ _d\"></span>e.g. liquidity risk) and costs (<span class=\"_ _0\"></span>e.g. administrativ<span class=\"_ _0\"></span>e costs) associated with holding the <span class=\"_ _0\"></span>financial asset for<span class=\"_ _0\"></span> a particular period of time, and a pr<span class=\"_ _0\"></span>ofit margin that is consistent with a basic lending arr<span class=\"_ _0\"></span>angement.<span class=\"_ _3e0\"> </span>In assessing whether <span class=\"_ _0\"></span>the contractual cash <span class=\"_ _0\"></span>flows are SPPI, the Gr<span class=\"_ _0\"></span>oup considers whether <span class=\"_ _0\"></span>the contractual terms o<span class=\"_ _0\"></span>f the financial asset contain a term <span class=\"_ _0\"></span>that could change the timing or amoun<span class=\"_ _0\"></span>t of contractual cash <span class=\"_ _0\"></span>flows arising over the lif<span class=\"_ _0\"></span>e of the instrumen<span class=\"_ _0\"></span>t which could aff<span class=\"_ _0\"></span>ect whether the instrument is considered to meet the SPPI test.<span class=\"_ _3e0\"> </span>If the SPPI test is <span class=\"_ _0\"></span>failed, such financial assets ar<span class=\"_ _0\"></span>e measured at FVTPL <span class=\"_ _0\"></span>with interest earned r<span class=\"_ _0\"></span>ecognised in other inter<span class=\"_ _0\"></span>est income.<span class=\"_ _3e0\"> </span>Debt instruments at FV<span class=\"_ _0\"></span>OCIThe Group measur<span class=\"_ _0\"></span>es debt investment securities at FV<span class=\"_ _0\"></span>OCI when both of the <span class=\"_ _0\"></span>following categories ar<span class=\"_ _0\"></span>e met: \u2022 <span class=\"_ _59\"> </span>The instrument is held within a business model, the objective of<span class=\"_ _0\"></span> which is achieved by<span class=\"_ _0\"></span> collecting contr<span class=\"_ _0\"></span>actual cash flows, selling financial assets and holding such financial instruments <span class=\"_ _0\"></span>for liquidity<span class=\"_ _0\"></span> management purposes.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span><span class=\"ws16\">The contractual terms of the financial asset meet the SPPI test.<span class=\"_ _3e0\"> </span></span>FVOCI debt in<span class=\"_ _0\"></span>vestment securities are subsequently<span class=\"_ _0\"></span> measured at f<span class=\"_ _0\"></span>air value <span class=\"_ _0\"></span>with gains and losses arising due to changes in f<span class=\"_ _0\"></span>air value rec<span class=\"_ _0\"></span>ognised in OCI. Interest income and <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange gains and losses ar<span class=\"_ _0\"></span>e recognised in pr<span class=\"_ _0\"></span>ofit or loss in the same manner as f<span class=\"_ _0\"></span>or financial assets measured at amortised cost. On derec<span class=\"_ _0\"></span>ognition, cumulative gains or losses pre<span class=\"_ _0\"></span>viously rec<span class=\"_ _0\"></span>ognised in OCI are reclassified f<span class=\"_ _0\"></span>rom OCI to pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _3e0\"> </span>Equity instr<span class=\"_ _0\"></span>uments at FVOCI \u2013 optionUpon initial recognition, <span class=\"_ _0\"></span>the Group may elect <span class=\"_ _0\"></span>to classify irre<span class=\"_ _0\"></span>vocably its equity<span class=\"_ _0\"></span> instruments as equity instruments at FV<span class=\"_ _0\"></span>OCI when they<span class=\"_ _0\"></span> meet the definition of equity<span class=\"_ _0\"></span> under IAS 32 Financial Instruments: Pr<span class=\"_ _0\"></span>esentation and are not held <span class=\"_ _0\"></span>for tr<span class=\"_ _0\"></span>ading. Such classification is determined on an instrument-b<span class=\"_ _0\"></span>y-instrument basis. The Group does not r<span class=\"_ _0\"></span>ecycle gains and losses on these equity ins<span class=\"_ _0\"></span>truments to profit or<span class=\"_ _0\"></span> loss nor does it make impairmen<span class=\"_ _0\"></span>t assessment for<span class=\"_ _0\"></span> these instruments. Dividends rec<span class=\"_ _0\"></span>eived are r<span class=\"_ _0\"></span>ecognised in profit or loss. Financial assets at FVTPLGroups of<span class=\"_ _0\"></span> financial assets for<span class=\"_ _0\"></span> which the business model is other <span class=\"_ _0\"></span>than \u2018hold to collect\u2019 and \u2018hold to collect and sell\u2019 are measur<span class=\"_ _0\"></span>ed at<span class=\"_ gs7d\"> </span>FVTPL<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Derivatives r<span class=\"_ _0\"></span>ecorded at FVTPLThe Group ent<span class=\"_ _0\"></span>ers into derivative tr<span class=\"_ _0\"></span>ansactions with various count<span class=\"_ _0\"></span>erparties. These include interest r<span class=\"_ _0\"></span>ate swaps, f<span class=\"_ _0\"></span>orwards and other similar instruments. Derivativ<span class=\"_ _0\"></span>es are rec<span class=\"_ _0\"></span>orded at f<span class=\"_ _0\"></span>air value and carried as assets <span class=\"_ _0\"></span>when their f<span class=\"_ _0\"></span>air value is positive and as liabilities when their f<span class=\"_ _0\"></span>air value is negativ<span class=\"_ _0\"></span>e. Net changes in the f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> derivatives are included in Net other<span class=\"_ _0\"></span> gains/(losses), ex<span class=\"_ _0\"></span>cluding gain/<span class=\"_ _3e0\"> </span>loss on f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change derivatives which ar<span class=\"_ _0\"></span>e presented in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain. Fr<span class=\"_ _0\"></span>om the beginning of 2019<span class=\"_ _d\"></span>, the Group enters into certain cro<span class=\"_ _0\"></span>ss-currency swap agr<span class=\"_ _0\"></span>eements to match its f<span class=\"_ _0\"></span>unding costs in certain currencies with <span class=\"_ _0\"></span>the income generated f<span class=\"_ _0\"></span>rom lending activities in these currencies. <span class=\"_ _0\"></span>As a result, the Group economic<span class=\"_ _0\"></span>ally hedges the inter<span class=\"_ _0\"></span>est rate risk, howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, no hedge accounting under IFRS 9 is applied. Net changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of such derivative financial instrumen<span class=\"_ _0\"></span>ts, which are pr<span class=\"_ _0\"></span>esented in net for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> gain, excludes un<span class=\"_ _0\"></span>winding of the locked-in in<span class=\"_ _0\"></span>terest diff<span class=\"_ _0\"></span>erential <span class=\"_ _0\"></span>which is presented as part of inter<span class=\"_ _0\"></span>est expense to r<span class=\"_ _0\"></span>eflect risk management objective of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>Financial guaran<span class=\"_ _0\"></span>tees, letter of<span class=\"_ _0\"></span> credits and other financial c<span class=\"_ _0\"></span>ommitmentsThe Group ent<span class=\"_ _0\"></span>ers into the financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts whereby<span class=\"_ _0\"></span> it is requir<span class=\"_ _0\"></span>ed to make specified payments t<span class=\"_ _0\"></span>o reimburse the holder for<span class=\"_ _0\"></span> a loss it incurs because a specified debtor f<span class=\"_ _0\"></span>ails to mak<span class=\"_ _0\"></span>e payment when due. Financial guar<span class=\"_ _0\"></span>antees, letter of<span class=\"_ _0\"></span> credits and other financial commitments ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>ognised in the financial statements at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>, being the premium r<span class=\"_ _0\"></span>eceived. Subsequent to initial recognition, <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under each guaran<span class=\"_ _0\"></span>tee is measured at the higher o<span class=\"_ _0\"></span>f the amount initially r<span class=\"_ _0\"></span>ecognised, less cumulative amortisation recognised in <span class=\"_ _0\"></span>the consolidated income statement and an e<span class=\"_ _0\"></span>xpected credit loss (ECL) pro<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>Non-financial guarant<span class=\"_ _0\"></span>eesThe Group ent<span class=\"_ _0\"></span>ers into non-financial guaran<span class=\"_ _0\"></span>tee contracts wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> it is required <span class=\"_ _0\"></span>to compensate to the holder in c<span class=\"_ _0\"></span>ase another party fails <span class=\"_ _0\"></span>to meet its contractual obligations. Non-financial guar<span class=\"_ _0\"></span>antees are initially<span class=\"_ _0\"></span> recognised in <span class=\"_ _0\"></span>the financial statements at f<span class=\"_ _0\"></span>air value, being the premium r<span class=\"_ _0\"></span>eceived, amortised on a straigh<span class=\"_ _0\"></span>t-line basis over the lif<span class=\"_ _0\"></span>e of the contr<span class=\"_ _0\"></span>act. Subsequent to initial recognition the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under non-financial guar<span class=\"_ _0\"></span>antee is measured at <span class=\"_ _0\"></span>the amount that repr<span class=\"_ _0\"></span>esents the best estimate of <span class=\"_ _0\"></span>the expenditure requir<span class=\"_ _0\"></span>ed to settle the pr<span class=\"_ _0\"></span>esent obligation. The estimate <span class=\"_ _0\"></span>takes into acc<span class=\"_ _0\"></span>ount the probability<span class=\"_ _0\"></span> of another party def<span class=\"_ _0\"></span>aulting on its obligations as well as available collat<span class=\"_ _0\"></span>eral under the guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts and is recognised in the consolidated inc<span class=\"_ _0\"></span>ome statement as part of other e<span class=\"_ _0\"></span>xpected credit.<span class=\"_ _3e0\"> </span>Borro<span class=\"_ _0\"></span>wings<span class=\"_ _3e0\"> </span>The Group classifies issued <span class=\"_ _0\"></span>financial instruments or their c<span class=\"_ _0\"></span>omponents as liabilities, where the sub<span class=\"_ _0\"></span>stance of the contr<span class=\"_ _0\"></span>actual arrangement r<span class=\"_ _0\"></span>esults in the Group having an obligation either<span class=\"_ _0\"></span> to deliver cash or<span class=\"_ _0\"></span> another financial asset to <span class=\"_ _0\"></span>the holder<span class=\"_ _d\"></span>, or to satisfy the obligation other than b<span class=\"_ _0\"></span>y the e<span class=\"_ _0\"></span>xchange of a <span class=\"_ _0\"></span>fixed amount of cash or<span class=\"_ _0\"></span> another financial asset f<span class=\"_ _0\"></span>or a fix<span class=\"_ _0\"></span>ed number of own equity instruments. Such instruments include amoun<span class=\"_ _0\"></span>ts due to credit institutions and amounts due <span class=\"_ _0\"></span>to customers (including promissory notes issued). T<span class=\"_ _0\"></span>he Group initially r<span class=\"_ _0\"></span>ecognises these liabilities at the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of the consider<span class=\"_ _0\"></span>ation received less dir<span class=\"_ _0\"></span>ectly attributable transaction costs. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, borrowings ar<span class=\"_ _0\"></span>e subsequently<span class=\"_ _0\"></span> measured at amortised cost, using the effectiv<span class=\"_ _0\"></span>e interest rate (EIR) method. Gains and losses ar<span class=\"_ _0\"></span>e recognised in <span class=\"_ _0\"></span>the consolidated income statement when <span class=\"_ _0\"></span>the borrowings ar<span class=\"_ _0\"></span>e derecognised as well as thr<span class=\"_ _0\"></span>ough the amortisation process. Issued Additional <span class=\"_ _0\"></span>Tier 1 instruments with perpetual mat<span class=\"_ _0\"></span>urity and discretionary inter<span class=\"_ _0\"></span>est payments are classified as <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _2\"></span> when the instruments ar<span class=\"_ _0\"></span>e not convertible into equity<span class=\"_ _0\"></span> and the Group does not have an unc<span class=\"_ _0\"></span>onditional right to avoid delivering cash upon a predetermined <span class=\"_ _0\"></span>trigger event that is be<span class=\"_ _0\"></span>yond the contr<span class=\"_ _0\"></span>ol of both the issuer<span class=\"_ _0\"></span> and the holder of the instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Such instruments are measured at amortised cost with r<span class=\"_ _0\"></span>espective interes<span class=\"_ _0\"></span>t presented as part of inter<span class=\"_ _0\"></span>est expense in the consolidat<span class=\"_ _0\"></span>ed income statement.<span class=\"_ _3e0\"> </span>If the Gr<span class=\"_ _0\"></span>oup purchases its own debt, it is remov<span class=\"_ _0\"></span>ed from <span class=\"_ _0\"></span>the statement of financial position and the dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ence between the carrying amount of the liability<span class=\"_ _0\"></span> and the consideration paid is r<span class=\"_ _0\"></span>ecognised in the consolidated inc<span class=\"_ _0\"></span>ome statement.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-801": {
   "value": "Financial assets and liabilities<span class=\"_ _3e0\"> </span>Classification and measur<span class=\"_ _0\"></span>ement for financial as<span class=\"_ _0\"></span>sets and liabilities<span class=\"_ _3e0\"> </span>The Group classifies all of<span class=\"_ _0\"></span> its financial assets based on the business model f<span class=\"_ _0\"></span>or managing the assets and the asse<span class=\"_ _0\"></span>t\u2019<span class=\"_ _0\"></span>s contractual terms, measured at either:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through pr<span class=\"_ _0\"></span>ofit or loss (FVTPL);<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fair <span class=\"_ _0\"></span>value through other<span class=\"_ _0\"></span> comprehensive income (FV<span class=\"_ _0\"></span>OCI) with recycling <span class=\"_ _0\"></span>to profit or loss upon disposal <span class=\"_ _0\"></span>for debt instrumen<span class=\"_ _0\"></span>ts; \u2022 <span class=\"_ _59\"> </span>FVOCI without r<span class=\"_ _0\"></span>ecycling to profit or<span class=\"_ _0\"></span> loss for equity<span class=\"_ _0\"></span> instruments; or \u2022 <span class=\"_ _59\"> </span>amortised cost<span class=\"_ _2\"></span>. Financial liabilities, other than loan c<span class=\"_ _0\"></span>ommitments and financial guaran<span class=\"_ _0\"></span>tees, are measured at amortised cost or<span class=\"_ _0\"></span> at FVTPL if the<span class=\"_ _0\"></span>y are held for<span class=\"_ _0\"></span> trading. Embedded derivatives ar<span class=\"_ _0\"></span>e not separated f<span class=\"_ _0\"></span>rom a host financial asset. Instead, financial assets ar<span class=\"_ _0\"></span>e classified based on the business model and their contractual terms. All derivative instruments ar<span class=\"_ _0\"></span>e measured at FVTPL.<span class=\"_ _3e0\"> </span>Measurement o<span class=\"_ _0\"></span>f financial instruments at initial rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>When financial instruments ar<span class=\"_ _0\"></span>e recognised initially<span class=\"_ _d\"></span>, they<span class=\"_ _0\"></span> are measur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value, adjusted, in the case o<span class=\"_ _0\"></span>f instruments not at FVTPL<span class=\"_ _2\"></span>, for<span class=\"_ _0\"></span> directly attribut<span class=\"_ _0\"></span>able fees and costs.<span class=\"_ _3e0\"> </span>The best evidence of <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> value of a financial instrumen<span class=\"_ _0\"></span>t at initial recognition is normally<span class=\"_ _0\"></span> the transaction price. If<span class=\"_ _0\"></span> the Group determines that the f<span class=\"_ _0\"></span>air value at initial recognition differ<span class=\"_ _0\"></span>s from the tr<span class=\"_ _0\"></span>ansaction price, then:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>if the f<span class=\"_ _0\"></span>air value is evidenced b<span class=\"_ _0\"></span>y a quoted pric<span class=\"_ _0\"></span>e in an active market f<span class=\"_ _0\"></span>or an identical asset or<span class=\"_ _0\"></span> liability (i.e., a Lev<span class=\"_ _0\"></span>el 1 input) or based on a valuation technique <span class=\"_ _0\"></span>that uses only data f<span class=\"_ _0\"></span>rom observable markets, <span class=\"_ _0\"></span>the Group rec<span class=\"_ _0\"></span>ognises the diff<span class=\"_ _0\"></span>erence between the <span class=\"_ _0\"></span>fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price as a gain or loss;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>in all other cases, the initial measur<span class=\"_ _0\"></span>ement of the financial instr<span class=\"_ _0\"></span>ument is adjusted to def<span class=\"_ _0\"></span>er the diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>value at initial recognition and <span class=\"_ _0\"></span>the transaction price. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, the Gr<span class=\"_ _0\"></span>oup recognises that def<span class=\"_ _0\"></span>erred dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e as a gain or loss only <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that it arises from a change in a <span class=\"_ _0\"></span>factor (including time<span class=\"_ _d\"></span>) that market participants would t<span class=\"_ _0\"></span>ake into accoun<span class=\"_ _0\"></span>t when pricing the asset or liability<span class=\"_ _d\"></span>. Subsequent measur<span class=\"_ _0\"></span>ement of financial instruments Financial instruments measur<span class=\"_ _0\"></span>ed at amortised costThe Group measur<span class=\"_ _0\"></span>es amounts due fr<span class=\"_ _0\"></span>om credit institutions, loans to customer<span class=\"_ _0\"></span>s and other financial assets at amortised cost if both of the f<span class=\"_ _0\"></span>ollowing conditions ar<span class=\"_ _0\"></span>e met:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The financial asset is held within a business model with <span class=\"_ _0\"></span>the objective to hold financial assets in or<span class=\"_ _0\"></span>der to collect contr<span class=\"_ _0\"></span>actual cash<span class=\"_ gs7d\"> </span>flows.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The contractual t<span class=\"_ _0\"></span>erms of the financial asset give rise on specified dates <span class=\"_ _0\"></span>to cash flows that ar<span class=\"_ _0\"></span>e solely payments of<span class=\"_ _0\"></span> principal and interes<span class=\"_ _0\"></span>t (SPPI) on the principal amount outstanding.<span class=\"_ _3e0\"> </span>The details of these c<span class=\"_ _0\"></span>onditions are outlined below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Business modelThe Group determines its busine<span class=\"_ _0\"></span>ss model at the level that best r<span class=\"_ _0\"></span>eflects how it manages groups of<span class=\"_ _0\"></span> financial assets to achieve its business objective. <span class=\"_ _0\"></span>The business model is not assessed on an instrument-by<span class=\"_ _0\"></span>-instrument basis, but at a higher lev<span class=\"_ _0\"></span>el of aggregated portfolios per instr<span class=\"_ _0\"></span>ument type and is based on the f<span class=\"_ _0\"></span>ollowing observable factors:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The risks that aff<span class=\"_ _0\"></span>ect the performance of the business model (<span class=\"_ _d\"></span>and the financial assets held within that business model) and, in particular<span class=\"_ _d\"></span>, the way those risks are managed.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How managers of <span class=\"_ _0\"></span>the business are compensated (f<span class=\"_ _0\"></span>or ex<span class=\"_ _0\"></span>ample, whether the c<span class=\"_ _0\"></span>ompensation is based on the fair<span class=\"_ _0\"></span> value of the assets managed or on the con<span class=\"_ _0\"></span>tractual cash flows collected).<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>How financial assets held within particular busines<span class=\"_ _0\"></span>s model are evaluated and r<span class=\"_ _0\"></span>eported to ke<span class=\"_ _0\"></span>y management personnel.<span class=\"_ _3e0\"> </span>The expected f<span class=\"_ _0\"></span>requency<span class=\"_ _d\"></span>, value and timing of sales ar<span class=\"_ _0\"></span>e also important aspects of the assessment. The business model assessmen<span class=\"_ _0\"></span>t is based on reasonably<span class=\"_ _0\"></span> expected scenarios without <span class=\"_ _0\"></span>taking \u2018worst case\u2019 or<span class=\"_ _0\"></span> \u2018str<span class=\"_ _0\"></span>ess case\u2019 scenarios in<span class=\"_ _0\"></span>to account. If cash flows af<span class=\"_ _0\"></span>ter initial recognition ar<span class=\"_ _0\"></span>e realised in a way<span class=\"_ _0\"></span> that is diff<span class=\"_ _0\"></span>erent <span class=\"_ _0\"></span>from the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s original expectations, the Group does no<span class=\"_ _0\"></span>t change the classification of the r<span class=\"_ _0\"></span>emaining financial assets held in that business model, but inc<span class=\"_ _0\"></span>orporates such inf<span class=\"_ _0\"></span>ormation when assessing newly originat<span class=\"_ _0\"></span>ed or newly pur<span class=\"_ _0\"></span>chased financial assets going f<span class=\"_ _0\"></span>orward.<span class=\"_ _3e0\"> </span>There ar<span class=\"_ _0\"></span>e three business models available under<span class=\"_ _0\"></span> IFRS 9:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Hold to collect: It is intended to hold <span class=\"_ _0\"></span>the asset to maturity to earn in<span class=\"_ _0\"></span>terest, collecting repayments of principal and in<span class=\"_ _0\"></span>terest f<span class=\"_ _0\"></span>orm the counterparty<span class=\"_ _d\"></span>. \u2022 <span class=\"_ _59\"> </span>Hold to collect and sell: This model is similar<span class=\"_ _0\"></span> to the hold to collect model, e<span class=\"_ _0\"></span>xcept that <span class=\"_ _0\"></span>the entity may<span class=\"_ _0\"></span> elect to sell some or all of the assets bef<span class=\"_ _0\"></span>ore maturity as cir<span class=\"_ _0\"></span>cumstances change or to hold <span class=\"_ _0\"></span>the assets for<span class=\"_ _0\"></span> liquidity purposes. \u2022 <span class=\"_ _59\"> </span>Other: All those models that do not meet <span class=\"_ _0\"></span>the \u2018hold to collect\u2019 or \u2018hold to c<span class=\"_ _0\"></span>ollect and sell\u2019 qualifying criteria. Solely P<span class=\"_ _0\"></span>ayments of Principal and Inter<span class=\"_ _0\"></span>est (SPPI)If a financial asset is held in either<span class=\"_ _0\"></span> a \u2018hold to collect\u2019 or a \u2018hold to collect and sell\u2019 business model, then <span class=\"_ _0\"></span>the Group assesses whether<span class=\"_ _0\"></span> contr<span class=\"_ _0\"></span>actual cash flows are SPPI on <span class=\"_ _0\"></span>the principal amount outstanding at initial recognition t<span class=\"_ _0\"></span>o determine the classification. The SPPI test is performed on an individual instrumen<span class=\"_ _0\"></span>t basis.<span class=\"_ _3e0\"> </span>Contr<span class=\"_ _0\"></span>actual cash flows that repr<span class=\"_ _0\"></span>esent SPPI on the principal amount outstanding ar<span class=\"_ _0\"></span>e consistent with basic lending arr<span class=\"_ _0\"></span>angements. Interes<span class=\"_ _0\"></span>t is consideration f<span class=\"_ _0\"></span>or the time v<span class=\"_ _0\"></span>alue of money<span class=\"_ _0\"></span> and the credit risk associated <span class=\"_ _0\"></span>with the principal amount outstanding during a particular period of time. It c<span class=\"_ _0\"></span>an also include consideration f<span class=\"_ _0\"></span>or other basic lending risks (<span class=\"_ _d\"></span>e.g. liquidity risk) and costs (<span class=\"_ _0\"></span>e.g. administrativ<span class=\"_ _0\"></span>e costs) associated with holding the <span class=\"_ _0\"></span>financial asset for<span class=\"_ _0\"></span> a particular period of time, and a pr<span class=\"_ _0\"></span>ofit margin that is consistent with a basic lending arr<span class=\"_ _0\"></span>angement.<span class=\"_ _3e0\"> </span>In assessing whether <span class=\"_ _0\"></span>the contractual cash <span class=\"_ _0\"></span>flows are SPPI, the Gr<span class=\"_ _0\"></span>oup considers whether <span class=\"_ _0\"></span>the contractual terms o<span class=\"_ _0\"></span>f the financial asset contain a term <span class=\"_ _0\"></span>that could change the timing or amoun<span class=\"_ _0\"></span>t of contractual cash <span class=\"_ _0\"></span>flows arising over the lif<span class=\"_ _0\"></span>e of the instrumen<span class=\"_ _0\"></span>t which could aff<span class=\"_ _0\"></span>ect whether the instrument is considered to meet the SPPI test.<span class=\"_ _3e0\"> </span>If the SPPI test is <span class=\"_ _0\"></span>failed, such financial assets ar<span class=\"_ _0\"></span>e measured at FVTPL <span class=\"_ _0\"></span>with interest earned r<span class=\"_ _0\"></span>ecognised in other inter<span class=\"_ _0\"></span>est income.<span class=\"_ _3e0\"> </span>Debt instruments at FV<span class=\"_ _0\"></span>OCIThe Group measur<span class=\"_ _0\"></span>es debt investment securities at FV<span class=\"_ _0\"></span>OCI when both of the <span class=\"_ _0\"></span>following categories ar<span class=\"_ _0\"></span>e met: \u2022 <span class=\"_ _59\"> </span>The instrument is held within a business model, the objective of<span class=\"_ _0\"></span> which is achieved by<span class=\"_ _0\"></span> collecting contr<span class=\"_ _0\"></span>actual cash flows, selling financial assets and holding such financial instruments <span class=\"_ _0\"></span>for liquidity<span class=\"_ _0\"></span> management purposes.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span><span class=\"ws16\">The contractual terms of the financial asset meet the SPPI test.<span class=\"_ _3e0\"> </span></span>FVOCI debt in<span class=\"_ _0\"></span>vestment securities are subsequently<span class=\"_ _0\"></span> measured at f<span class=\"_ _0\"></span>air value <span class=\"_ _0\"></span>with gains and losses arising due to changes in f<span class=\"_ _0\"></span>air value rec<span class=\"_ _0\"></span>ognised in OCI. Interest income and <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange gains and losses ar<span class=\"_ _0\"></span>e recognised in pr<span class=\"_ _0\"></span>ofit or loss in the same manner as f<span class=\"_ _0\"></span>or financial assets measured at amortised cost. On derec<span class=\"_ _0\"></span>ognition, cumulative gains or losses pre<span class=\"_ _0\"></span>viously rec<span class=\"_ _0\"></span>ognised in OCI are reclassified f<span class=\"_ _0\"></span>rom OCI to pr<span class=\"_ _0\"></span>ofit or loss.<span class=\"_ _3e0\"> </span>Equity instr<span class=\"_ _0\"></span>uments at FVOCI \u2013 optionUpon initial recognition, <span class=\"_ _0\"></span>the Group may elect <span class=\"_ _0\"></span>to classify irre<span class=\"_ _0\"></span>vocably its equity<span class=\"_ _0\"></span> instruments as equity instruments at FV<span class=\"_ _0\"></span>OCI when they<span class=\"_ _0\"></span> meet the definition of equity<span class=\"_ _0\"></span> under IAS 32 Financial Instruments: Pr<span class=\"_ _0\"></span>esentation and are not held <span class=\"_ _0\"></span>for tr<span class=\"_ _0\"></span>ading. Such classification is determined on an instrument-b<span class=\"_ _0\"></span>y-instrument basis. The Group does not r<span class=\"_ _0\"></span>ecycle gains and losses on these equity ins<span class=\"_ _0\"></span>truments to profit or<span class=\"_ _0\"></span> loss nor does it make impairmen<span class=\"_ _0\"></span>t assessment for<span class=\"_ _0\"></span> these instruments. Dividends rec<span class=\"_ _0\"></span>eived are r<span class=\"_ _0\"></span>ecognised in profit or loss. Financial assets at FVTPLGroups of<span class=\"_ _0\"></span> financial assets for<span class=\"_ _0\"></span> which the business model is other <span class=\"_ _0\"></span>than \u2018hold to collect\u2019 and \u2018hold to collect and sell\u2019 are measur<span class=\"_ _0\"></span>ed at<span class=\"_ gs7d\"> </span>FVTPL<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Derivatives r<span class=\"_ _0\"></span>ecorded at FVTPLThe Group ent<span class=\"_ _0\"></span>ers into derivative tr<span class=\"_ _0\"></span>ansactions with various count<span class=\"_ _0\"></span>erparties. These include interest r<span class=\"_ _0\"></span>ate swaps, f<span class=\"_ _0\"></span>orwards and other similar instruments. Derivativ<span class=\"_ _0\"></span>es are rec<span class=\"_ _0\"></span>orded at f<span class=\"_ _0\"></span>air value and carried as assets <span class=\"_ _0\"></span>when their f<span class=\"_ _0\"></span>air value is positive and as liabilities when their f<span class=\"_ _0\"></span>air value is negativ<span class=\"_ _0\"></span>e. Net changes in the f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> derivatives are included in Net other<span class=\"_ _0\"></span> gains/(losses), ex<span class=\"_ _0\"></span>cluding gain/<span class=\"_ _3e0\"> </span>loss on f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change derivatives which ar<span class=\"_ _0\"></span>e presented in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain. Fr<span class=\"_ _0\"></span>om the beginning of 2019<span class=\"_ _d\"></span>, the Group enters into certain cro<span class=\"_ _0\"></span>ss-currency swap agr<span class=\"_ _0\"></span>eements to match its f<span class=\"_ _0\"></span>unding costs in certain currencies with <span class=\"_ _0\"></span>the income generated f<span class=\"_ _0\"></span>rom lending activities in these currencies. <span class=\"_ _0\"></span>As a result, the Group economic<span class=\"_ _0\"></span>ally hedges the inter<span class=\"_ _0\"></span>est rate risk, howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, no hedge accounting under IFRS 9 is applied. Net changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of such derivative financial instrumen<span class=\"_ _0\"></span>ts, which are pr<span class=\"_ _0\"></span>esented in net for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> gain, excludes un<span class=\"_ _0\"></span>winding of the locked-in in<span class=\"_ _0\"></span>terest diff<span class=\"_ _0\"></span>erential <span class=\"_ _0\"></span>which is presented as part of inter<span class=\"_ _0\"></span>est expense to r<span class=\"_ _0\"></span>eflect risk management objective of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>Financial guaran<span class=\"_ _0\"></span>tees, letter of<span class=\"_ _0\"></span> credits and other financial c<span class=\"_ _0\"></span>ommitmentsThe Group ent<span class=\"_ _0\"></span>ers into the financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts whereby<span class=\"_ _0\"></span> it is requir<span class=\"_ _0\"></span>ed to make specified payments t<span class=\"_ _0\"></span>o reimburse the holder for<span class=\"_ _0\"></span> a loss it incurs because a specified debtor f<span class=\"_ _0\"></span>ails to mak<span class=\"_ _0\"></span>e payment when due. Financial guar<span class=\"_ _0\"></span>antees, letter of<span class=\"_ _0\"></span> credits and other financial commitments ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>ognised in the financial statements at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>, being the premium r<span class=\"_ _0\"></span>eceived. Subsequent to initial recognition, <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under each guaran<span class=\"_ _0\"></span>tee is measured at the higher o<span class=\"_ _0\"></span>f the amount initially r<span class=\"_ _0\"></span>ecognised, less cumulative amortisation recognised in <span class=\"_ _0\"></span>the consolidated income statement and an e<span class=\"_ _0\"></span>xpected credit loss (ECL) pro<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>Non-financial guarant<span class=\"_ _0\"></span>eesThe Group ent<span class=\"_ _0\"></span>ers into non-financial guaran<span class=\"_ _0\"></span>tee contracts wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> it is required <span class=\"_ _0\"></span>to compensate to the holder in c<span class=\"_ _0\"></span>ase another party fails <span class=\"_ _0\"></span>to meet its contractual obligations. Non-financial guar<span class=\"_ _0\"></span>antees are initially<span class=\"_ _0\"></span> recognised in <span class=\"_ _0\"></span>the financial statements at f<span class=\"_ _0\"></span>air value, being the premium r<span class=\"_ _0\"></span>eceived, amortised on a straigh<span class=\"_ _0\"></span>t-line basis over the lif<span class=\"_ _0\"></span>e of the contr<span class=\"_ _0\"></span>act. Subsequent to initial recognition the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under non-financial guar<span class=\"_ _0\"></span>antee is measured at <span class=\"_ _0\"></span>the amount that repr<span class=\"_ _0\"></span>esents the best estimate of <span class=\"_ _0\"></span>the expenditure requir<span class=\"_ _0\"></span>ed to settle the pr<span class=\"_ _0\"></span>esent obligation. The estimate <span class=\"_ _0\"></span>takes into acc<span class=\"_ _0\"></span>ount the probability<span class=\"_ _0\"></span> of another party def<span class=\"_ _0\"></span>aulting on its obligations as well as available collat<span class=\"_ _0\"></span>eral under the guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts and is recognised in the consolidated inc<span class=\"_ _0\"></span>ome statement as part of other e<span class=\"_ _0\"></span>xpected credit.<span class=\"_ _3e0\"> </span>Impairment of financial asse<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span>Overview of the E<span class=\"_ _0\"></span>CL principles<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords an allowanc<span class=\"_ _0\"></span>e for E<span class=\"_ _0\"></span>CL f<span class=\"_ _0\"></span>or all loans and other debt financial as<span class=\"_ _0\"></span>sets not held at FVTPL<span class=\"_ _2\"></span>, together with loan commitments and financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts, in this section all referr<span class=\"_ _0\"></span>ed to as \u2018financial assets\u2019<span class=\"_ _38\"></span>. The allowance is based on the E<span class=\"_ _0\"></span>CL associated with a pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (PD) in the next 12 months unle<span class=\"_ _0\"></span>ss there has been a significant incr<span class=\"_ _0\"></span>ease in credit risk since origination, in which c<span class=\"_ _0\"></span>ase the allowance is based on the ECL<span class=\"_ _0\"></span> over <span class=\"_ _0\"></span>the life of the asse<span class=\"_ _0\"></span>t (lifetime ECL). If the financial asse<span class=\"_ _0\"></span>t meets the definition of pur<span class=\"_ _0\"></span>chased or originated credit-impair<span class=\"_ _0\"></span>ed (POCI), the allowance is based on the change in the lif<span class=\"_ _0\"></span>etime ECL<span class=\"_ _2\"></span>. The Group applies <span class=\"_ _0\"></span>the simplified approach f<span class=\"_ _0\"></span>or trade<span class=\"_ _0\"></span>, lease and other receiv<span class=\"_ _0\"></span>ables and contract assets and r<span class=\"_ _0\"></span>ecords lif<span class=\"_ _0\"></span>etime ECLs on<span class=\"_ gs7d\"> </span>them. In order <span class=\"_ _0\"></span>to calculate ECL, the Group first e<span class=\"_ _0\"></span>valuates whether objective evidenc<span class=\"_ _0\"></span>e of impairment exists f<span class=\"_ _0\"></span>or loans that ar<span class=\"_ _0\"></span>e individually significant. It then collectively<span class=\"_ _0\"></span> assesses loans that are not individually<span class=\"_ _0\"></span> significant and loans which ar<span class=\"_ _0\"></span>e significant but f<span class=\"_ _0\"></span>or which ther<span class=\"_ _0\"></span>e is no objective evidence of impairmen<span class=\"_ _0\"></span>t available under the individual assessment.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-760": {
   "value": "Derivatives r<span class=\"_ _0\"></span>ecorded at FVTPLThe Group ent<span class=\"_ _0\"></span>ers into derivative tr<span class=\"_ _0\"></span>ansactions with various count<span class=\"_ _0\"></span>erparties. These include interest r<span class=\"_ _0\"></span>ate swaps, f<span class=\"_ _0\"></span>orwards and other similar instruments. Derivativ<span class=\"_ _0\"></span>es are rec<span class=\"_ _0\"></span>orded at f<span class=\"_ _0\"></span>air value and carried as assets <span class=\"_ _0\"></span>when their f<span class=\"_ _0\"></span>air value is positive and as liabilities when their f<span class=\"_ _0\"></span>air value is negativ<span class=\"_ _0\"></span>e. Net changes in the f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> derivatives are included in Net other<span class=\"_ _0\"></span> gains/(losses), ex<span class=\"_ _0\"></span>cluding gain/<span class=\"_ _3e0\"> </span>loss on f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change derivatives which ar<span class=\"_ _0\"></span>e presented in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain. Fr<span class=\"_ _0\"></span>om the beginning of 2019<span class=\"_ _d\"></span>, the Group enters into certain cro<span class=\"_ _0\"></span>ss-currency swap agr<span class=\"_ _0\"></span>eements to match its f<span class=\"_ _0\"></span>unding costs in certain currencies with <span class=\"_ _0\"></span>the income generated f<span class=\"_ _0\"></span>rom lending activities in these currencies. <span class=\"_ _0\"></span>As a result, the Group economic<span class=\"_ _0\"></span>ally hedges the inter<span class=\"_ _0\"></span>est rate risk, howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, no hedge accounting under IFRS 9 is applied. Net changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of such derivative financial instrumen<span class=\"_ _0\"></span>ts, which are pr<span class=\"_ _0\"></span>esented in net for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> gain, excludes un<span class=\"_ _0\"></span>winding of the locked-in in<span class=\"_ _0\"></span>terest diff<span class=\"_ _0\"></span>erential <span class=\"_ _0\"></span>which is presented as part of inter<span class=\"_ _0\"></span>est expense to r<span class=\"_ _0\"></span>eflect risk management objective of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-759": {
   "value": "Financial guaran<span class=\"_ _0\"></span>tees, letter of<span class=\"_ _0\"></span> credits and other financial c<span class=\"_ _0\"></span>ommitmentsThe Group ent<span class=\"_ _0\"></span>ers into the financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts whereby<span class=\"_ _0\"></span> it is requir<span class=\"_ _0\"></span>ed to make specified payments t<span class=\"_ _0\"></span>o reimburse the holder for<span class=\"_ _0\"></span> a loss it incurs because a specified debtor f<span class=\"_ _0\"></span>ails to mak<span class=\"_ _0\"></span>e payment when due. Financial guar<span class=\"_ _0\"></span>antees, letter of<span class=\"_ _0\"></span> credits and other financial commitments ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>ognised in the financial statements at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>, being the premium r<span class=\"_ _0\"></span>eceived. Subsequent to initial recognition, <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s liability under each guaran<span class=\"_ _0\"></span>tee is measured at the higher o<span class=\"_ _0\"></span>f the amount initially r<span class=\"_ _0\"></span>ecognised, less cumulative amortisation recognised in <span class=\"_ _0\"></span>the consolidated income statement and an e<span class=\"_ _0\"></span>xpected credit loss (ECL) pro<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-699": {
   "value": "Cash and cash equiv<span class=\"_ _0\"></span>alents<span class=\"_ _3e0\"> </span>Cash and cash equivalents c<span class=\"_ _0\"></span>onsist of cash on hand, amounts due f<span class=\"_ _0\"></span>rom centr<span class=\"_ _0\"></span>al banks, excluding obligat<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves with centr<span class=\"_ _0\"></span>al banks, and amounts due fr<span class=\"_ _0\"></span>om credit institutions that mat<span class=\"_ _0\"></span>ure within 90 days of <span class=\"_ _0\"></span>the date of origination, and are f<span class=\"_ _0\"></span>ree f<span class=\"_ _0\"></span>rom contr<span class=\"_ _0\"></span>actual encumbrances and readily<span class=\"_ _0\"></span> convertible to kno<span class=\"_ _0\"></span>wn amounts of cash. <span class=\"_ _0\"></span>The Group also holds cash in nominal ownership on behalf of its clients. <span class=\"_ _0\"></span>The Group does not con<span class=\"_ _0\"></span>trol this cash nor<span class=\"_ _0\"></span> does it have the potential to pr<span class=\"_ _0\"></span>oduce economic benefits to <span class=\"_ _0\"></span>the Group, <span class=\"_ _0\"></span>theref<span class=\"_ _0\"></span>ore asset rec<span class=\"_ _0\"></span>ognition criteria is not met in such cases. Respectively<span class=\"_ _d\"></span>, the Gr<span class=\"_ _0\"></span>oup does not recognise the<span class=\"_ _0\"></span>se amounts in its consolidated statement of<span class=\"_ _0\"></span> financial position. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-700": {
   "value": "Borro<span class=\"_ _0\"></span>wings<span class=\"_ _3e0\"> </span>The Group classifies issued <span class=\"_ _0\"></span>financial instruments or their c<span class=\"_ _0\"></span>omponents as liabilities, where the sub<span class=\"_ _0\"></span>stance of the contr<span class=\"_ _0\"></span>actual arrangement r<span class=\"_ _0\"></span>esults in the Group having an obligation either<span class=\"_ _0\"></span> to deliver cash or<span class=\"_ _0\"></span> another financial asset to <span class=\"_ _0\"></span>the holder<span class=\"_ _d\"></span>, or to satisfy the obligation other than b<span class=\"_ _0\"></span>y the e<span class=\"_ _0\"></span>xchange of a <span class=\"_ _0\"></span>fixed amount of cash or<span class=\"_ _0\"></span> another financial asset f<span class=\"_ _0\"></span>or a fix<span class=\"_ _0\"></span>ed number of own equity instruments. Such instruments include amoun<span class=\"_ _0\"></span>ts due to credit institutions and amounts due <span class=\"_ _0\"></span>to customers (including promissory notes issued). T<span class=\"_ _0\"></span>he Group initially r<span class=\"_ _0\"></span>ecognises these liabilities at the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of the consider<span class=\"_ _0\"></span>ation received less dir<span class=\"_ _0\"></span>ectly attributable transaction costs. <span class=\"_ _0\"></span>After initial r<span class=\"_ _0\"></span>ecognition, borrowings ar<span class=\"_ _0\"></span>e subsequently<span class=\"_ _0\"></span> measured at amortised cost, using the effectiv<span class=\"_ _0\"></span>e interest rate (EIR) method. Gains and losses ar<span class=\"_ _0\"></span>e recognised in <span class=\"_ _0\"></span>the consolidated income statement when <span class=\"_ _0\"></span>the borrowings ar<span class=\"_ _0\"></span>e derecognised as well as thr<span class=\"_ _0\"></span>ough the amortisation process. Issued Additional <span class=\"_ _0\"></span>Tier 1 instruments with perpetual mat<span class=\"_ _0\"></span>urity and discretionary inter<span class=\"_ _0\"></span>est payments are classified as <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _2\"></span> when the instruments ar<span class=\"_ _0\"></span>e not convertible into equity<span class=\"_ _0\"></span> and the Group does not have an unc<span class=\"_ _0\"></span>onditional right to avoid delivering cash upon a predetermined <span class=\"_ _0\"></span>trigger event that is be<span class=\"_ _0\"></span>yond the contr<span class=\"_ _0\"></span>ol of both the issuer<span class=\"_ _0\"></span> and the holder of the instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Such instruments are measured at amortised cost with r<span class=\"_ _0\"></span>espective interes<span class=\"_ _0\"></span>t presented as part of inter<span class=\"_ _0\"></span>est expense in the consolidat<span class=\"_ _0\"></span>ed income statement.<span class=\"_ _3e0\"> </span>If the Gr<span class=\"_ _0\"></span>oup purchases its own debt, it is remov<span class=\"_ _0\"></span>ed from <span class=\"_ _0\"></span>the statement of financial position and the dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ence between the carrying amount of the liability<span class=\"_ _0\"></span> and the consideration paid is r<span class=\"_ _0\"></span>ecognised in the consolidated inc<span class=\"_ _0\"></span>ome statement.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-701": {
   "value": "Subordinated deb<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>Subordinated debt r<span class=\"_ _0\"></span>epresents long-<span class=\"_ _0\"></span>term funds attr<span class=\"_ _0\"></span>acted by the Bank<span class=\"_ _0\"></span> on the international financial mark<span class=\"_ _0\"></span>ets or domestic market. The holders of subor<span class=\"_ _0\"></span>dinated debt would be subor<span class=\"_ _0\"></span>dinate to all other cr<span class=\"_ _0\"></span>editors to rec<span class=\"_ _0\"></span>eive repayment of deb<span class=\"_ _0\"></span>t in case of the Bank\u2019<span class=\"_ _d\"></span>s liquidation. Subordinated debt is c<span class=\"_ _0\"></span>arried at amortised cost<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForSubordinatedDebt",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-702": {
   "value": "Leases<span class=\"_ _3e0\"> </span>The Group as a lessee The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s main leasing activities include the leases of service centr<span class=\"_ _0\"></span>es, A<span class=\"_ _d\"></span>TM spaces and warehouses. A<span class=\"_ _0\"></span> non-cancellable lease period is up to ten <span class=\"_ _0\"></span>years. Lease payments ar<span class=\"_ _0\"></span>e fixed in most cases. <span class=\"_ _0\"></span>The contr<span class=\"_ _0\"></span>acts do not generally c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xtension or termination options f<span class=\"_ _0\"></span>or the lease term and do not impose an<span class=\"_ _0\"></span>y covenan<span class=\"_ _0\"></span>ts. Rec<span class=\"_ _0\"></span>ognition of right-of-use asse<span class=\"_ _0\"></span>t and lease liabilityThe Group r<span class=\"_ _0\"></span>ecognises a right-of<span class=\"_ _0\"></span>-use asset and a lease liability at the lease commenc<span class=\"_ _0\"></span>ement date at an initial amount of the lease liability adjusted f<span class=\"_ _0\"></span>or lease payments made at or be<span class=\"_ _0\"></span>fore <span class=\"_ _0\"></span>the commencement date. <span class=\"_ _0\"></span>The right-of-use as<span class=\"_ _0\"></span>set is subsequently depr<span class=\"_ _0\"></span>eciated using the straigh<span class=\"_ _0\"></span>t-line method over <span class=\"_ _0\"></span>the lease term.<span class=\"_ _3e0\"> </span>The lease liability is initially<span class=\"_ _0\"></span> measured at the pr<span class=\"_ _0\"></span>esent value of <span class=\"_ _0\"></span>the future lease payments e<span class=\"_ _0\"></span>xcluding payments <span class=\"_ _0\"></span>for V<span class=\"_ _d\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _5\"></span>, discounted using the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s increment<span class=\"_ _0\"></span>al borrowing rate (IBR). <span class=\"_ _0\"></span>The lease liability is subsequently<span class=\"_ _0\"></span> measured at amortised cost using the IBR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Rec<span class=\"_ _0\"></span>ognition ex<span class=\"_ _0\"></span>emptionsThe Group applies <span class=\"_ _0\"></span>the recognition ex<span class=\"_ _0\"></span>emptions on lease contr<span class=\"_ _0\"></span>acts for which <span class=\"_ _0\"></span>the lease term ends within 12 months as of <span class=\"_ _0\"></span>the date of initial application, and lease con<span class=\"_ _0\"></span>tracts for<span class=\"_ _0\"></span> which the underlying asset is of low<span class=\"_ _0\"></span> value. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises the lease payments associated with these leases as an oc<span class=\"_ _0\"></span>cupancy and rent e<span class=\"_ _0\"></span>xpense on a straight-line basis o<span class=\"_ _0\"></span>ver the lease term and pr<span class=\"_ _0\"></span>esents them as part of General and administr<span class=\"_ _0\"></span>ative expenses.<span class=\"_ _3e0\"> </span>Modifications of lease c<span class=\"_ _0\"></span>ontractsIf the lease contr<span class=\"_ _0\"></span>act is modified by<span class=\"_ _0\"></span> either changing the scope of the lease<span class=\"_ _0\"></span>, or the consider<span class=\"_ _0\"></span>ation for a lease <span class=\"_ _0\"></span>that was not part of the original terms and conditions of<span class=\"_ _0\"></span> the lease, the Group de<span class=\"_ _0\"></span>termines whether the modification r<span class=\"_ _0\"></span>esults in:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>a separate lease; or<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>a change in the accounting f<span class=\"_ _0\"></span>or the e<span class=\"_ _0\"></span>xisting lease.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the lease modifications that are not ac<span class=\"_ _0\"></span>counted as separate leases, <span class=\"_ _0\"></span>the Group re-measur<span class=\"_ _0\"></span>es the lease liability either b<span class=\"_ _0\"></span>y r<span class=\"_ _0\"></span>ecognising gain or loss r<span class=\"_ _0\"></span>elating to the partial or full <span class=\"_ _0\"></span>termination of the lease or thr<span class=\"_ _0\"></span>ough adjusting respective right-o<span class=\"_ _0\"></span>f-use asset.<span class=\"_ _3e0\"> </span>The Group as a lessor<span class=\"_ _3e0\"> </span>At the incep<span class=\"_ _0\"></span>tion of the lease, the Gr<span class=\"_ _0\"></span>oup classifies each of its leases as either an oper<span class=\"_ _0\"></span>ating lease or a finance lease. Finance leaseThe Group classifies leases <span class=\"_ _0\"></span>that transf<span class=\"_ _0\"></span>er substantially<span class=\"_ _0\"></span> all the risks and benefits incidental to owner<span class=\"_ _0\"></span>ship of the lease item to the lessee as finance leases. <span class=\"_ _0\"></span>All other leases are classified as oper<span class=\"_ _0\"></span>ating leases. The Gr<span class=\"_ _0\"></span>oup recognises finance lease r<span class=\"_ _0\"></span>eceivables in the Consolidated Statemen<span class=\"_ _0\"></span>t of Financial Position at a v<span class=\"_ _0\"></span>alue equal to the net investmen<span class=\"_ _0\"></span>t in the lease, starting fr<span class=\"_ _0\"></span>om the date of commencement of<span class=\"_ _0\"></span> the lease term. In calculating the pr<span class=\"_ _0\"></span>esent value of <span class=\"_ _0\"></span>the minimum lease payments, the Group uses <span class=\"_ _0\"></span>the interest r<span class=\"_ _0\"></span>ate implicit in the lease as a discount <span class=\"_ _0\"></span>factor<span class=\"_ _d\"></span>. Initial direct costs ar<span class=\"_ _0\"></span>e included in the initial measurement of<span class=\"_ _0\"></span> the finance lease rec<span class=\"_ _0\"></span>eivables. Lease payments rec<span class=\"_ _0\"></span>eived are apportioned between the <span class=\"_ _0\"></span>finance income and the reduction of <span class=\"_ _0\"></span>the outstanding lease receivable<span class=\"_ _0\"></span>. Finance income is based on a patt<span class=\"_ _0\"></span>ern reflecting a constant periodic r<span class=\"_ _0\"></span>ate of return on <span class=\"_ _0\"></span>the net investment outstanding. Operating leaseThe Group pr<span class=\"_ _0\"></span>esents assets subject to operating lease<span class=\"_ _0\"></span>s in the consolidated statement of <span class=\"_ _0\"></span>financial position according t<span class=\"_ _0\"></span>o the nature of the asset. Lease income fr<span class=\"_ _0\"></span>om operating leases is rec<span class=\"_ _0\"></span>ognised in the consolidated income statement on a str<span class=\"_ _0\"></span>aight-line basis over<span class=\"_ _0\"></span> the lease term as net other<span class=\"_ _0\"></span> income.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-761": {
   "value": "Impairment of financial asse<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span>Overview of the E<span class=\"_ _0\"></span>CL principles<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords an allowanc<span class=\"_ _0\"></span>e for E<span class=\"_ _0\"></span>CL f<span class=\"_ _0\"></span>or all loans and other debt financial as<span class=\"_ _0\"></span>sets not held at FVTPL<span class=\"_ _2\"></span>, together with loan commitments and financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts, in this section all referr<span class=\"_ _0\"></span>ed to as \u2018financial assets\u2019<span class=\"_ _38\"></span>. The allowance is based on the E<span class=\"_ _0\"></span>CL associated with a pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (PD) in the next 12 months unle<span class=\"_ _0\"></span>ss there has been a significant incr<span class=\"_ _0\"></span>ease in credit risk since origination, in which c<span class=\"_ _0\"></span>ase the allowance is based on the ECL<span class=\"_ _0\"></span> over <span class=\"_ _0\"></span>the life of the asse<span class=\"_ _0\"></span>t (lifetime ECL). If the financial asse<span class=\"_ _0\"></span>t meets the definition of pur<span class=\"_ _0\"></span>chased or originated credit-impair<span class=\"_ _0\"></span>ed (POCI), the allowance is based on the change in the lif<span class=\"_ _0\"></span>etime ECL<span class=\"_ _2\"></span>. The Group applies <span class=\"_ _0\"></span>the simplified approach f<span class=\"_ _0\"></span>or trade<span class=\"_ _0\"></span>, lease and other receiv<span class=\"_ _0\"></span>ables and contract assets and r<span class=\"_ _0\"></span>ecords lif<span class=\"_ _0\"></span>etime ECLs on<span class=\"_ gs7d\"> </span>them. In order <span class=\"_ _0\"></span>to calculate ECL, the Group first e<span class=\"_ _0\"></span>valuates whether objective evidenc<span class=\"_ _0\"></span>e of impairment exists f<span class=\"_ _0\"></span>or loans that ar<span class=\"_ _0\"></span>e individually significant. It then collectively<span class=\"_ _0\"></span> assesses loans that are not individually<span class=\"_ _0\"></span> significant and loans which ar<span class=\"_ _0\"></span>e significant but f<span class=\"_ _0\"></span>or which ther<span class=\"_ _0\"></span>e is no objective evidence of impairmen<span class=\"_ _0\"></span>t available under the individual assessment.<span class=\"_ _3e0\"> </span>Goodwill impairment<span class=\"_ _3e0\"> </span>Goodwill is revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually<span class=\"_ _0\"></span>, or mor<span class=\"_ _0\"></span>e frequen<span class=\"_ _0\"></span>tly if ev<span class=\"_ _0\"></span>ents or changes in circumstanc<span class=\"_ _0\"></span>es indicate that the carrying amount may be impair<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of impairment testing, goodwill acquir<span class=\"_ _0\"></span>ed in a business combination is, fr<span class=\"_ _0\"></span>om the acquisition date, alloc<span class=\"_ _0\"></span>ated to each of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s cash-generating units, or gr<span class=\"_ _0\"></span>oups of cash-generating units, <span class=\"_ _0\"></span>that are expected to bene<span class=\"_ _0\"></span>fit from <span class=\"_ _0\"></span>the synergies of the combination, irrespective o<span class=\"_ _0\"></span>f whether other as<span class=\"_ _0\"></span>sets or liabilities of the Gr<span class=\"_ _0\"></span>oup are assigned to those units or<span class=\"_ _0\"></span> groups of units. Each unit or group o<span class=\"_ _0\"></span>f units to which the goodwill is so allocat<span class=\"_ _0\"></span>ed:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>represen<span class=\"_ _0\"></span>ts the lowest level <span class=\"_ _0\"></span>within the Group at which the goodwill is monit<span class=\"_ _0\"></span>ored f<span class=\"_ _0\"></span>or internal management purposes; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>is not larger <span class=\"_ _0\"></span>than a segment as defined in IFRS 8 Operating Segments.<span class=\"_ _3e0\"> </span>Impairment is determined b<span class=\"_ _0\"></span>y assessing the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units), to which the goodwill relat<span class=\"_ _0\"></span>es. Where the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units) is less than the carrying amount, an impairment loss is recognised. Impairment losses c<span class=\"_ _0\"></span>annot be rever<span class=\"_ _0\"></span>sed in future periods.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-703": {
   "value": "Impairment of financial asse<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span>Overview of the E<span class=\"_ _0\"></span>CL principles<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords an allowanc<span class=\"_ _0\"></span>e for E<span class=\"_ _0\"></span>CL f<span class=\"_ _0\"></span>or all loans and other debt financial as<span class=\"_ _0\"></span>sets not held at FVTPL<span class=\"_ _2\"></span>, together with loan commitments and financial guar<span class=\"_ _0\"></span>antee contr<span class=\"_ _0\"></span>acts, in this section all referr<span class=\"_ _0\"></span>ed to as \u2018financial assets\u2019<span class=\"_ _38\"></span>. The allowance is based on the E<span class=\"_ _0\"></span>CL associated with a pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (PD) in the next 12 months unle<span class=\"_ _0\"></span>ss there has been a significant incr<span class=\"_ _0\"></span>ease in credit risk since origination, in which c<span class=\"_ _0\"></span>ase the allowance is based on the ECL<span class=\"_ _0\"></span> over <span class=\"_ _0\"></span>the life of the asse<span class=\"_ _0\"></span>t (lifetime ECL). If the financial asse<span class=\"_ _0\"></span>t meets the definition of pur<span class=\"_ _0\"></span>chased or originated credit-impair<span class=\"_ _0\"></span>ed (POCI), the allowance is based on the change in the lif<span class=\"_ _0\"></span>etime ECL<span class=\"_ _2\"></span>. The Group applies <span class=\"_ _0\"></span>the simplified approach f<span class=\"_ _0\"></span>or trade<span class=\"_ _0\"></span>, lease and other receiv<span class=\"_ _0\"></span>ables and contract assets and r<span class=\"_ _0\"></span>ecords lif<span class=\"_ _0\"></span>etime ECLs on<span class=\"_ gs7d\"> </span>them. In order <span class=\"_ _0\"></span>to calculate ECL, the Group first e<span class=\"_ _0\"></span>valuates whether objective evidenc<span class=\"_ _0\"></span>e of impairment exists f<span class=\"_ _0\"></span>or loans that ar<span class=\"_ _0\"></span>e individually significant. It then collectively<span class=\"_ _0\"></span> assesses loans that are not individually<span class=\"_ _0\"></span> significant and loans which ar<span class=\"_ _0\"></span>e significant but f<span class=\"_ _0\"></span>or which ther<span class=\"_ _0\"></span>e is no objective evidence of impairmen<span class=\"_ _0\"></span>t available under the individual assessment.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-704": {
   "value": "Staged appr<span class=\"_ _0\"></span>oach to the determination of<span class=\"_ _0\"></span> ECLs<span class=\"_ _3e0\"> </span>The Group has established a policy<span class=\"_ _0\"></span> to perform an assessmen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, at the end of each r<span class=\"_ _0\"></span>eporting period, of whether a financial asset\u2019<span class=\"_ _d\"></span>s credit risk has incr<span class=\"_ _0\"></span>eased significantly<span class=\"_ _0\"></span> since initial recognition, b<span class=\"_ _0\"></span>y considering the change in <span class=\"_ _0\"></span>the risk of default oc<span class=\"_ _0\"></span>curring over the remaining lif<span class=\"_ _0\"></span>e of the financial instrumen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Based on the above pr<span class=\"_ _0\"></span>ocess, the Group gr<span class=\"_ _0\"></span>oups its financial instruments into S<span class=\"_ _0\"></span>tage 1, Stage 2, Stage 3 and POCI, as described below:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Stage 1: The Gr<span class=\"_ _0\"></span>oup recognises a cr<span class=\"_ _0\"></span>edit loss allowance at an amount equal to 12<span class=\"_ _0\"></span>-month ECL<span class=\"_ _2\"></span>. This r<span class=\"_ _0\"></span>epresents the portion of lifetime ECL<span class=\"_ _0\"></span> fr<span class=\"_ _0\"></span>om default e<span class=\"_ _0\"></span>vents that are e<span class=\"_ _0\"></span>xpected within 12 months of the r<span class=\"_ _0\"></span>eporting date, assuming that credit risk<span class=\"_ _0\"></span> has not increased significan<span class=\"_ _0\"></span>tly after<span class=\"_ _0\"></span> initial recognition. For<span class=\"_ _0\"></span> those financial assets with a r<span class=\"_ _0\"></span>emaining maturity of less <span class=\"_ _0\"></span>than 12 months, a PD is used that corr<span class=\"_ _0\"></span>esponds to the remaining maturity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Stage 2: The Gr<span class=\"_ _0\"></span>oup recognises a cr<span class=\"_ _0\"></span>edit loss allowance at an amount equal to lif<span class=\"_ _0\"></span>etime expected cr<span class=\"_ _0\"></span>edit losses (L<span class=\"_ _d\"></span>TECL) for those financial instruments <span class=\"_ _0\"></span>which are considered <span class=\"_ _0\"></span>to have experienced a signific<span class=\"_ _0\"></span>ant increase in credit risk<span class=\"_ _0\"></span> since initial recognition. This requir<span class=\"_ _0\"></span>es the computation of ECL<span class=\"_ _0\"></span> based on lifetime pr<span class=\"_ _0\"></span>obability of def<span class=\"_ _0\"></span>ault (L<span class=\"_ _d\"></span>TPD) that represen<span class=\"_ _0\"></span>ts the PD occurring over the remaining lif<span class=\"_ _0\"></span>etime of the financial instr<span class=\"_ _0\"></span>ument<span class=\"_ _2\"></span>. Allowanc<span class=\"_ _0\"></span>e for cr<span class=\"_ _0\"></span>edit losses are higher in <span class=\"_ _0\"></span>this stage because of an increase in credit risk and <span class=\"_ _0\"></span>the impact of a longer time horizon being consider<span class=\"_ _0\"></span>ed compared <span class=\"_ _0\"></span>with 12 months in Stage 1. Financial instruments in Stage 2 are no<span class=\"_ _0\"></span>t yet deemed t<span class=\"_ _0\"></span>o be credit-impaired.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Stage 3: If the financial instrumen<span class=\"_ _0\"></span>t is credit-impaired, it is <span class=\"_ _0\"></span>then moved to Stage 3. <span class=\"_ _0\"></span>The Group r<span class=\"_ _0\"></span>ecognises a loss allowance at an amount equal to lif<span class=\"_ _0\"></span>etime ECL, reflecting a PD of 100% for<span class=\"_ _0\"></span> those financial instruments <span class=\"_ _0\"></span>that are credit-impair<span class=\"_ _0\"></span>ed. Unless POCI, newly originat<span class=\"_ _0\"></span>ed assets are classified as Stage 1 and r<span class=\"_ _0\"></span>emain in that stage unless ther<span class=\"_ _0\"></span>e is considered to hav<span class=\"_ _0\"></span>e been a significant incr<span class=\"_ _0\"></span>ease in credit risk since initial r<span class=\"_ _0\"></span>ecognition, at which point the asset is r<span class=\"_ _0\"></span>eclassified to Stage 2. POCI assets are <span class=\"_ _0\"></span>financial instruments that are cr<span class=\"_ _0\"></span>edit-impaired on initial r<span class=\"_ _0\"></span>ecognition. POCI assets are r<span class=\"_ _0\"></span>ecorded at f<span class=\"_ _0\"></span>air value at original recognition and in<span class=\"_ _0\"></span>terest income is subsequently<span class=\"_ _0\"></span> recognised based on a cr<span class=\"_ _0\"></span>edit adjusted EIR (CAEIR). CAEIR <span class=\"_ _0\"></span>takes into account all con<span class=\"_ _0\"></span>tractual terms of <span class=\"_ _0\"></span>the financial asset and ECLs. ECLs are only<span class=\"_ _0\"></span> recognised or<span class=\"_ _0\"></span> released to the e<span class=\"_ _0\"></span>xtent that ther<span class=\"_ _0\"></span>e is a subsequent change in the ECLs wher<span class=\"_ _0\"></span>e ECLs are calculat<span class=\"_ _0\"></span>ed based on lifetime ECL. Once the financial asset is r<span class=\"_ _0\"></span>ecognised as POCI, it retains <span class=\"_ _0\"></span>this status until derecognised.<span class=\"_ _3e0\"> </span>Ke<span class=\"_ _0\"></span>y judgements and estimate<span class=\"_ _0\"></span>s used in ECL calculation ar<span class=\"_ _0\"></span>e disclosed in Note 4. ",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForStagedApproachToTheDeterminationOfECLs",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-705": {
   "value": "Derec<span class=\"_ _0\"></span>ognition of financial assets and liabilities<span class=\"_ _3e0\"> </span>Derecognition o<span class=\"_ _0\"></span>f financial assets<span class=\"_ _3e0\"> </span>The Group der<span class=\"_ _0\"></span>ecognises a financial asset (<span class=\"_ _0\"></span>or<span class=\"_ _d\"></span>, where applic<span class=\"_ _0\"></span>able, a part of a financial asset or part of a gr<span class=\"_ _0\"></span>oup of similar financial assets) wher<span class=\"_ _0\"></span>e:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the rights to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom the asset hav<span class=\"_ _0\"></span>e expired; or<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the Group has tr<span class=\"_ _0\"></span>ansferred its righ<span class=\"_ _0\"></span>ts to receiv<span class=\"_ _0\"></span>e cash flows fr<span class=\"_ _0\"></span>om the asset, or ret<span class=\"_ _0\"></span>ained the right to rec<span class=\"_ _0\"></span>eive cash flows f<span class=\"_ _0\"></span>rom the asset, but has assumed an obligation to pay <span class=\"_ _0\"></span>them in full without material delay<span class=\"_ _0\"></span> to a third party under<span class=\"_ _0\"></span> a \u2018pass-thr<span class=\"_ _0\"></span>ough\u2019 arrangement; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>the Group either (<span class=\"_ _d\"></span>a) has transferr<span class=\"_ _0\"></span>ed substantially all <span class=\"_ _0\"></span>the risks and rewar<span class=\"_ _0\"></span>ds of the asset, or (b<span class=\"_ _0\"></span>) has neither transf<span class=\"_ _0\"></span>erred nor<span class=\"_ _0\"></span> retained subst<span class=\"_ _0\"></span>antially all the risks and r<span class=\"_ _0\"></span>ewards of<span class=\"_ _0\"></span> the asset, but has transferr<span class=\"_ _0\"></span>ed contr<span class=\"_ _0\"></span>ol of the asset.<span class=\"_ _3e0\"> </span>Derecognition and modific<span class=\"_ _0\"></span>ation of financial assets<span class=\"_ _3e0\"> </span>The Group sometimes r<span class=\"_ _0\"></span>enegotiates or otherwise modifies the con<span class=\"_ _0\"></span>tractual cash flows of<span class=\"_ _0\"></span> financial assets. When this happens, the Group assesses <span class=\"_ _0\"></span>whether or not the new<span class=\"_ _0\"></span> terms are substan<span class=\"_ _0\"></span>tially diff<span class=\"_ _0\"></span>erent to <span class=\"_ _0\"></span>the original terms, based on qualitative and quantitative criteria. <span class=\"_ _0\"></span>The Group der<span class=\"_ _0\"></span>ecognises a financial asset, such as a loan to a customer<span class=\"_ _d\"></span>, when the terms and c<span class=\"_ _0\"></span>onditions have been renegotiated <span class=\"_ _0\"></span>to the extent <span class=\"_ _0\"></span>that<span class=\"_ _2\"></span>, substantially<span class=\"_ _d\"></span>, it becomes a new loan, e<span class=\"_ _0\"></span>xcept in cases <span class=\"_ _0\"></span>when renegotiation of con<span class=\"_ _0\"></span>tractual terms happens due to financial dif<span class=\"_ _0\"></span>ficulties of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _d\"></span>. Once the financial asset is der<span class=\"_ _0\"></span>ecognised, the diff<span class=\"_ _0\"></span>erence is r<span class=\"_ _0\"></span>ecognised as a derecognition gain or<span class=\"_ _0\"></span> loss, to the ext<span class=\"_ _0\"></span>ent that an impairment loss has not alr<span class=\"_ _0\"></span>eady been rec<span class=\"_ _0\"></span>orded. The ne<span class=\"_ _0\"></span>wly rec<span class=\"_ _0\"></span>ognised loans are classified as Stage 1 f<span class=\"_ _0\"></span>or ECL<span class=\"_ _0\"></span> measurement purposes, unless the new<span class=\"_ _0\"></span> loan is deemed to be POCI.<span class=\"_ _3e0\"> </span>The Group applies der<span class=\"_ _0\"></span>ecognition of the financial asse<span class=\"_ _0\"></span>t if any o<span class=\"_ _0\"></span>f the follo<span class=\"_ _0\"></span>wing criteria are met: \u2022 <span class=\"_ _59\"> </span>Change in currency o<span class=\"_ _0\"></span>f the loan. \u2022 <span class=\"_ _59\"> </span>Change in interest r<span class=\"_ _0\"></span>ate type.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Introduction of an equity<span class=\"_ _0\"></span> featur<span class=\"_ _0\"></span>e.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Change in counterparty<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>If the terms ar<span class=\"_ _0\"></span>e not substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent, or the renegotiation is due <span class=\"_ _0\"></span>to the financial difficulties of <span class=\"_ _0\"></span>the borrower<span class=\"_ _5\"></span>, such renegotiation or modification does not r<span class=\"_ _0\"></span>esult in derecognition, and <span class=\"_ _0\"></span>the Group recalculat<span class=\"_ _0\"></span>es the gross carrying amount based on the r<span class=\"_ _0\"></span>evised cash flows of<span class=\"_ _0\"></span> the financial asset and rec<span class=\"_ _0\"></span>ognises a modification gain or loss in inter<span class=\"_ _0\"></span>est income. The ne<span class=\"_ _0\"></span>w gross carrying amount is calculated by<span class=\"_ _0\"></span> discounting the modified c<span class=\"_ _0\"></span>ash flows at the original EIR.<span class=\"_ _3e0\"> </span>Forbear<span class=\"_ _0\"></span>ance and modified loans<span class=\"_ _3e0\"> </span>The Group sometimes mak<span class=\"_ _0\"></span>es concessions or modific<span class=\"_ _0\"></span>ations to the original terms of <span class=\"_ _0\"></span>the loans as a response to the borr<span class=\"_ _0\"></span>ower\u2019<span class=\"_ _0\"></span>s financial difficulties, r<span class=\"_ _0\"></span>ather than taking possession or<span class=\"_ _0\"></span> otherwise enfor<span class=\"_ _0\"></span>cing collection of collateral. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>s a loan forborne <span class=\"_ _0\"></span>when such concessions or modifications ar<span class=\"_ _0\"></span>e provided as a r<span class=\"_ _0\"></span>esult of the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s present or<span class=\"_ _0\"></span> expected financial difficulties and the Group <span class=\"_ _0\"></span>would not have agreed <span class=\"_ _0\"></span>to them if the borro<span class=\"_ _0\"></span>wer had been financially<span class=\"_ _0\"></span> healthy<span class=\"_ _d\"></span>. Forbearance may<span class=\"_ _0\"></span> involve e<span class=\"_ _0\"></span>xtending the payment arrangemen<span class=\"_ _0\"></span>ts and the agreement of ne<span class=\"_ _0\"></span>w loan conditions. Once the t<span class=\"_ _0\"></span>erms have been renegotiated, an<span class=\"_ _0\"></span>y impairment is measured using the original EIR as c<span class=\"_ _0\"></span>alculated befor<span class=\"_ _0\"></span>e the modification of terms. Onc<span class=\"_ _0\"></span>e the asset has been identified as f<span class=\"_ _0\"></span>orborne, the assets are classified in S<span class=\"_ _0\"></span>tage 3. The decision as to how<span class=\"_ _0\"></span> long the asset remains in <span class=\"_ _0\"></span>the forborne category is determined on a case-by<span class=\"_ _0\"></span>-case basis for<span class=\"_ _0\"></span> commercial and SME loans, when a minimum six<span class=\"_ _0\"></span> consecutive payments are r<span class=\"_ _0\"></span>equired f<span class=\"_ _0\"></span>or the r<span class=\"_ _0\"></span>est of the loans to exit f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>forbearanc<span class=\"_ _0\"></span>e categor<span class=\"_ _2\"></span>y and <span class=\"_ _0\"></span>transfer<span class=\"_ _0\"></span> to Stage 2. Once the loan is tr<span class=\"_ _0\"></span>ansferred <span class=\"_ _0\"></span>to Stage 2, the Group con<span class=\"_ _0\"></span>tinues to reassess <span class=\"_ _0\"></span>whether there has been a signific<span class=\"_ _0\"></span>ant increase in credit risk, how<span class=\"_ _0\"></span>ever<span class=\"_ _d\"></span>, such assets remain in Stage 2 <span class=\"_ _0\"></span>for a minimum 12-mon<span class=\"_ _0\"></span>th probation period bef<span class=\"_ _0\"></span>ore being tr<span class=\"_ _0\"></span>ansferr<span class=\"_ _0\"></span>ed to Stage 1. Derecognition o<span class=\"_ _0\"></span>f financial liabilities<span class=\"_ _3e0\"> </span>The Group der<span class=\"_ _0\"></span>ecognises a financial liability <span class=\"_ _0\"></span>when the obligation under the liability is dischar<span class=\"_ _0\"></span>ged, cancelled or e<span class=\"_ _0\"></span>xpires.<span class=\"_ _3e0\"> </span>Where an e<span class=\"_ _0\"></span>xisting financial liability is r<span class=\"_ _0\"></span>eplaced by<span class=\"_ _0\"></span> another fr<span class=\"_ _0\"></span>om the same lender on substantially<span class=\"_ _0\"></span> differ<span class=\"_ _0\"></span>ent terms, or <span class=\"_ _0\"></span>the terms of an existing liability<span class=\"_ _0\"></span> are substantially<span class=\"_ _0\"></span> modified, such an ex<span class=\"_ _0\"></span>change or modification is tr<span class=\"_ _0\"></span>eated as a derecognition of <span class=\"_ _0\"></span>the original liability and the r<span class=\"_ _0\"></span>ecognition of a new liability<span class=\"_ _d\"></span>, and the diff<span class=\"_ _0\"></span>erence in <span class=\"_ _0\"></span>the respective carrying amounts is recognised in <span class=\"_ _0\"></span>the consolidated income<span class=\"_ gs7d\"> </span>statement. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-706": {
   "value": "For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span>All repossessed land and buildings <span class=\"_ _0\"></span>were pre<span class=\"_ _0\"></span>viously classified as Investmen<span class=\"_ _0\"></span>t Properties at initial recognition giv<span class=\"_ _0\"></span>en these assets were managed with a view<span class=\"_ _0\"></span> of capital appreciation or<span class=\"_ _0\"></span> earning a rental income<span class=\"_ _0\"></span>. Commencing fr<span class=\"_ _0\"></span>om 2022, the Group updated its property management strategy<span class=\"_ _0\"></span> and decided to mov<span class=\"_ _0\"></span>e the majority of the r<span class=\"_ _0\"></span>ealisations of such properties at a quick<span class=\"_ _0\"></span>er pace. Respectiv<span class=\"_ _0\"></span>ely<span class=\"_ _0\"></span>, all repossessed c<span class=\"_ _0\"></span>ollaterals, including land and buildings, are no<span class=\"_ _0\"></span>w classified either as Investment Pr<span class=\"_ _0\"></span>operties or For<span class=\"_ _0\"></span>eclosed Assets depending the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s intention in r<span class=\"_ _0\"></span>espect of recov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y of <span class=\"_ _0\"></span>these assets.<span class=\"_ _3e0\"> </span>For<span class=\"_ _0\"></span>eclosed assets are valued at <span class=\"_ _0\"></span>the lower of co<span class=\"_ _0\"></span>st and net realisable value<span class=\"_ _0\"></span>. The majority of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s for<span class=\"_ _0\"></span>eclosed assets consists of the r<span class=\"_ _0\"></span>eal estate assets r<span class=\"_ _0\"></span>epossessed during recovery o<span class=\"_ _0\"></span>f defaulted loans. Such assets are specific and not or<span class=\"_ _0\"></span>dinarily in<span class=\"_ _0\"></span>terchangeable, r<span class=\"_ _0\"></span>espectively the Gr<span class=\"_ _0\"></span>oup applies specific identification of their<span class=\"_ _0\"></span> individual costs. Realisation gain/loss f<span class=\"_ _0\"></span>rom above asse<span class=\"_ _0\"></span>ts are included under Net other<span class=\"_ _0\"></span> gains/(losses) in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated income statement.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForForeclosedAssets",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-762": {
   "value": "Non-current as<span class=\"_ _0\"></span>sets held for sale The Group classifies non-curr<span class=\"_ _0\"></span>ent assets and disposal groups as held <span class=\"_ _0\"></span>for sale if <span class=\"_ _0\"></span>their carrying amounts will be recov<span class=\"_ _0\"></span>ered principally<span class=\"_ _0\"></span> through a sale tr<span class=\"_ _0\"></span>ansaction rather <span class=\"_ _0\"></span>than through continuing use<span class=\"_ _0\"></span>. Non-current assets and disposal gr<span class=\"_ _0\"></span>oups classified as held for sale ar<span class=\"_ _0\"></span>e measured at the lo<span class=\"_ _0\"></span>wer of their c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount and f<span class=\"_ _0\"></span>air value less costs <span class=\"_ _0\"></span>to sell.<span class=\"_ _3e0\"> </span>Assets and liabilities classified as held f<span class=\"_ _0\"></span>or sale are pr<span class=\"_ _0\"></span>esented separately<span class=\"_ _0\"></span> fr<span class=\"_ _0\"></span>om other assets and liabilities in the statemen<span class=\"_ _0\"></span>t of financial<span class=\"_ gs7d\"> </span>position.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-707": {
   "value": "Non-current as<span class=\"_ _0\"></span>sets held for sale The Group classifies non-curr<span class=\"_ _0\"></span>ent assets and disposal groups as held <span class=\"_ _0\"></span>for sale if <span class=\"_ _0\"></span>their carrying amounts will be recov<span class=\"_ _0\"></span>ered principally<span class=\"_ _0\"></span> through a sale tr<span class=\"_ _0\"></span>ansaction rather <span class=\"_ _0\"></span>than through continuing use<span class=\"_ _0\"></span>. Non-current assets and disposal gr<span class=\"_ _0\"></span>oups classified as held for sale ar<span class=\"_ _0\"></span>e measured at the lo<span class=\"_ _0\"></span>wer of their c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount and f<span class=\"_ _0\"></span>air value less costs <span class=\"_ _0\"></span>to sell.<span class=\"_ _3e0\"> </span>Assets and liabilities classified as held f<span class=\"_ _0\"></span>or sale are pr<span class=\"_ _0\"></span>esented separately<span class=\"_ _0\"></span> fr<span class=\"_ _0\"></span>om other assets and liabilities in the statemen<span class=\"_ _0\"></span>t of financial<span class=\"_ gs7d\"> </span>position.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-708": {
   "value": "T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span>The Group calculat<span class=\"_ _0\"></span>es the current income <span class=\"_ _0\"></span>tax expense in accor<span class=\"_ _0\"></span>dance with the r<span class=\"_ _0\"></span>egulations in for<span class=\"_ _0\"></span>ce in the r<span class=\"_ _0\"></span>espective territories in which BOGG and its subsidiaries operate<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e calculated in respect of <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences using the liability<span class=\"_ _0\"></span> method. Deferr<span class=\"_ _0\"></span>ed income taxes ar<span class=\"_ _0\"></span>e provided f<span class=\"_ _0\"></span>or all tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising between the tax bases of<span class=\"_ _0\"></span> assets and liabilities and their carrying values f<span class=\"_ _0\"></span>or financial reporting purposes. The Group r<span class=\"_ _0\"></span>ecognises a deferr<span class=\"_ _0\"></span>ed tax asset only<span class=\"_ _0\"></span> to the e<span class=\"_ _0\"></span>xtent that it is probable <span class=\"_ _0\"></span>that taxable pr<span class=\"_ _0\"></span>ofit will be available against which the deductible temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es can be utilised. Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e measured at tax r<span class=\"_ _0\"></span>ates that are e<span class=\"_ _0\"></span>xpected to apply <span class=\"_ _0\"></span>to the period when the asset is r<span class=\"_ _0\"></span>ealised or the liability is set<span class=\"_ _0\"></span>tled, based on tax rates <span class=\"_ _0\"></span>that have been enacted or substantively<span class=\"_ _0\"></span> enacted at the reporting date. Deferr<span class=\"_ _0\"></span>ed tax liabilities ar<span class=\"_ _0\"></span>e provided on tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising on investments in subsidiaries, associates and joint <span class=\"_ _0\"></span>ventures, ex<span class=\"_ _0\"></span>cept where <span class=\"_ _0\"></span>the timing of the r<span class=\"_ _0\"></span>eversal of the <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erence c<span class=\"_ _0\"></span>an be controlled and it is pr<span class=\"_ _0\"></span>obable that the tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y diff<span class=\"_ _0\"></span>erence will not rev<span class=\"_ _0\"></span>erse in the foreseeable f<span class=\"_ _0\"></span>uture.<span class=\"_ _3e0\"> </span>Georgia and Belarus also have <span class=\"_ _0\"></span>various operating tax<span class=\"_ _0\"></span>es that are asses<span class=\"_ _0\"></span>sed on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities. These tax<span class=\"_ _0\"></span>es are included as a component of other<span class=\"_ _0\"></span> operating expenses. Uncertain tax positions<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>eassesses uncertain tax positions at the end of<span class=\"_ _0\"></span> each reporting period. The assessment is based on <span class=\"_ _0\"></span>the interpretation of<span class=\"_ _0\"></span> the tax laws that hav<span class=\"_ _0\"></span>e been enacted or substantively<span class=\"_ _0\"></span> enacted by the end o<span class=\"_ _0\"></span>f reporting period and any<span class=\"_ _0\"></span> known court or other rulings on such issues. Liabilities are r<span class=\"_ _0\"></span>ecorded f<span class=\"_ _0\"></span>or income t<span class=\"_ _0\"></span>ax positions that are determined as mor<span class=\"_ _0\"></span>e likely<span class=\"_ _0\"></span> than not to r<span class=\"_ _0\"></span>esult in additional tax levied if the positions <span class=\"_ _0\"></span>were to be challenged b<span class=\"_ _0\"></span>y the tax<span class=\"_ _0\"></span> authorities. Liabilities for penalties, in<span class=\"_ _0\"></span>terest and tax<span class=\"_ _0\"></span>es other than on income are r<span class=\"_ _0\"></span>ecognised based on the best estimate of <span class=\"_ _0\"></span>the expenditure r<span class=\"_ _0\"></span>equired to set<span class=\"_ _0\"></span>tle the obligations at the end of the r<span class=\"_ _0\"></span>eporting period.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-763": {
   "value": "T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span>The Group calculat<span class=\"_ _0\"></span>es the current income <span class=\"_ _0\"></span>tax expense in accor<span class=\"_ _0\"></span>dance with the r<span class=\"_ _0\"></span>egulations in for<span class=\"_ _0\"></span>ce in the r<span class=\"_ _0\"></span>espective territories in which BOGG and its subsidiaries operate<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e calculated in respect of <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences using the liability<span class=\"_ _0\"></span> method. Deferr<span class=\"_ _0\"></span>ed income taxes ar<span class=\"_ _0\"></span>e provided f<span class=\"_ _0\"></span>or all tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising between the tax bases of<span class=\"_ _0\"></span> assets and liabilities and their carrying values f<span class=\"_ _0\"></span>or financial reporting purposes. The Group r<span class=\"_ _0\"></span>ecognises a deferr<span class=\"_ _0\"></span>ed tax asset only<span class=\"_ _0\"></span> to the e<span class=\"_ _0\"></span>xtent that it is probable <span class=\"_ _0\"></span>that taxable pr<span class=\"_ _0\"></span>ofit will be available against which the deductible temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es can be utilised. Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities ar<span class=\"_ _0\"></span>e measured at tax r<span class=\"_ _0\"></span>ates that are e<span class=\"_ _0\"></span>xpected to apply <span class=\"_ _0\"></span>to the period when the asset is r<span class=\"_ _0\"></span>ealised or the liability is set<span class=\"_ _0\"></span>tled, based on tax rates <span class=\"_ _0\"></span>that have been enacted or substantively<span class=\"_ _0\"></span> enacted at the reporting date. Deferr<span class=\"_ _0\"></span>ed tax liabilities ar<span class=\"_ _0\"></span>e provided on tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising on investments in subsidiaries, associates and joint <span class=\"_ _0\"></span>ventures, ex<span class=\"_ _0\"></span>cept where <span class=\"_ _0\"></span>the timing of the r<span class=\"_ _0\"></span>eversal of the <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erence c<span class=\"_ _0\"></span>an be controlled and it is pr<span class=\"_ _0\"></span>obable that the tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y diff<span class=\"_ _0\"></span>erence will not rev<span class=\"_ _0\"></span>erse in the foreseeable f<span class=\"_ _0\"></span>uture.<span class=\"_ _3e0\"> </span>Georgia and Belarus also have <span class=\"_ _0\"></span>various operating tax<span class=\"_ _0\"></span>es that are asses<span class=\"_ _0\"></span>sed on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities. These tax<span class=\"_ _0\"></span>es are included as a component of other<span class=\"_ _0\"></span> operating expenses. Uncertain tax positions<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>eassesses uncertain tax positions at the end of<span class=\"_ _0\"></span> each reporting period. The assessment is based on <span class=\"_ _0\"></span>the interpretation of<span class=\"_ _0\"></span> the tax laws that hav<span class=\"_ _0\"></span>e been enacted or substantively<span class=\"_ _0\"></span> enacted by the end o<span class=\"_ _0\"></span>f reporting period and any<span class=\"_ _0\"></span> known court or other rulings on such issues. Liabilities are r<span class=\"_ _0\"></span>ecorded f<span class=\"_ _0\"></span>or income t<span class=\"_ _0\"></span>ax positions that are determined as mor<span class=\"_ _0\"></span>e likely<span class=\"_ _0\"></span> than not to r<span class=\"_ _0\"></span>esult in additional tax levied if the positions <span class=\"_ _0\"></span>were to be challenged b<span class=\"_ _0\"></span>y the tax<span class=\"_ _0\"></span> authorities. Liabilities for penalties, in<span class=\"_ _0\"></span>terest and tax<span class=\"_ _0\"></span>es other than on income are r<span class=\"_ _0\"></span>ecognised based on the best estimate of <span class=\"_ _0\"></span>the expenditure r<span class=\"_ _0\"></span>equired to set<span class=\"_ _0\"></span>tle the obligations at the end of the r<span class=\"_ _0\"></span>eporting period.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-709": {
   "value": "Inv<span class=\"_ _0\"></span>estment properties<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises investment pr<span class=\"_ _0\"></span>operty initially at c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, including transaction costs, and subsequen<span class=\"_ _0\"></span>tly remeasur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value reflecting mark<span class=\"_ _0\"></span>et conditions at the end of the r<span class=\"_ _0\"></span>eporting period. Fair v<span class=\"_ _0\"></span>alue of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s investment pr<span class=\"_ _0\"></span>operty is determined on the basis of various sour<span class=\"_ _0\"></span>ces including reports of independen<span class=\"_ _0\"></span>t appraisers, who hold a r<span class=\"_ _0\"></span>ecognised and relev<span class=\"_ _0\"></span>ant prof<span class=\"_ _0\"></span>essional qualification and who have r<span class=\"_ _0\"></span>ecent experience in <span class=\"_ _0\"></span>valuation of property<span class=\"_ _0\"></span> of similar location and category<span class=\"_ _d\"></span>. Gains and losses resulting f<span class=\"_ _0\"></span>rom changes in the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of investment pr<span class=\"_ _0\"></span>operty as well as earned ren<span class=\"_ _0\"></span>tal income are r<span class=\"_ _0\"></span>ecorded in the income statement within ne<span class=\"_ _0\"></span>t other income.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-817": {
   "value": "Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords pr<span class=\"_ _0\"></span>operty and equipment at cost less accumulated depr<span class=\"_ _0\"></span>eciation and any ac<span class=\"_ _0\"></span>cumulated impairment in value. Depreciation of an asse<span class=\"_ _0\"></span>t commences fr<span class=\"_ _0\"></span>om the date the asset is r<span class=\"_ _0\"></span>eady and available f<span class=\"_ _0\"></span>or use. Depr<span class=\"_ _0\"></span>eciation is calculated on a straight<span class=\"_ _0\"></span>-<span class=\"_ _3e0\"> </span>line basis over <span class=\"_ _0\"></span>the following estimated use<span class=\"_ _0\"></span>ful lives:<span class=\"_ _3e0\"> </span><table class=\"s w374 h109\" id=\"_dedb9e3d-14a2-4665-b6f4-a522b67e45ce\"><tr><td></td><td class=\"t m1 x5de h77 y4bed ffb fs1d fc1 sc0 ls0 ws0\">Y<span class=\"_ _d\"></span>ears<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bee w375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office buildings and service centr<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5df y4bee w376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Up to 100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Furnitur<span class=\"_ _0\"></span>e and fixtures<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e0 y4bef w378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Computers and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e1 y4ac9 w37a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w37b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws37\">Motor vehicles<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e2 y4aa3 w1f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls86 wsc1\">2<span class=\"_ _39\"></span>-7<span class=\"_ _3e0\"> </span></div></td></tr></table>The assets\u2019 r<span class=\"_ _0\"></span>esidual values, useful lives and methods ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed, and adjusted as appropriate, at each <span class=\"_ _0\"></span>financial year-end. Assets under construction ar<span class=\"_ _0\"></span>e stated at cost and are no<span class=\"_ _0\"></span>t depreciated until the <span class=\"_ _0\"></span>time they<span class=\"_ _0\"></span> are available f<span class=\"_ _0\"></span>or use and reclassified t<span class=\"_ _0\"></span>o their re<span class=\"_ _0\"></span>spective group of pr<span class=\"_ _0\"></span>opert<span class=\"_ _2\"></span>y and equipment.<span class=\"_ _3e0\"> </span>Leasehold improv<span class=\"_ _0\"></span>ements are depr<span class=\"_ _0\"></span>eciated over the shorter lif<span class=\"_ _0\"></span>e of the r<span class=\"_ _0\"></span>elated leased asset and the expected lease t<span class=\"_ _0\"></span>erm.<span class=\"_ _3e0\"> </span>Costs relat<span class=\"_ _0\"></span>ed to repairs and r<span class=\"_ _0\"></span>enewals are char<span class=\"_ _0\"></span>ged when incurred and included in other<span class=\"_ _0\"></span> operating expenses, unless <span class=\"_ _0\"></span>they qualify<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> capitalisation.<span class=\"_ _3e0\"> </span>Income and e<span class=\"_ _0\"></span>xpense rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>Revenue is r<span class=\"_ _0\"></span>ecognised to the e<span class=\"_ _0\"></span>xtent that it is pr<span class=\"_ _0\"></span>obable that the economic benefits will <span class=\"_ _0\"></span>flow to the Gr<span class=\"_ _0\"></span>oup and the rev<span class=\"_ _0\"></span>enue can be reliably<span class=\"_ _0\"></span> measured. <span class=\"_ _0\"></span>The following specific r<span class=\"_ _0\"></span>ecognition criteria must also be met bef<span class=\"_ _0\"></span>ore re<span class=\"_ _0\"></span>venue and expense ar<span class=\"_ _0\"></span>e recognised:<span class=\"_ _3e0\"> </span>Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Fee and commis<span class=\"_ _0\"></span>sion income<span class=\"_ _3e0\"> </span>The Group earns f<span class=\"_ _0\"></span>ee and commission income f<span class=\"_ _0\"></span>rom a diverse r<span class=\"_ _0\"></span>ange of services it provides <span class=\"_ _0\"></span>to its customers. Fee and commission income are r<span class=\"_ _0\"></span>ecognised when the Gr<span class=\"_ _0\"></span>oup satisfies a performance obligation. F<span class=\"_ _0\"></span>ee income can be divided into the f<span class=\"_ _0\"></span>ollowing categories:<span class=\"_ _3e0\"> </span>Fee income earned <span class=\"_ _0\"></span>from services that ar<span class=\"_ _0\"></span>e provided o<span class=\"_ _0\"></span>ver a certain period of time<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises f<span class=\"_ _0\"></span>ees income for<span class=\"_ _0\"></span> the provision of services ov<span class=\"_ _0\"></span>er a period of time ov<span class=\"_ _0\"></span>er that period. These <span class=\"_ _0\"></span>fees include commission incomes and asset management, custody<span class=\"_ _d\"></span>, package services on bundled products and other managemen<span class=\"_ _0\"></span>t and advisor<span class=\"_ _2\"></span>y f<span class=\"_ _0\"></span>ees. Loan commitment f<span class=\"_ _0\"></span>ees for<span class=\"_ _0\"></span> loans that are lik<span class=\"_ _0\"></span>ely to be dr<span class=\"_ _0\"></span>awn-down and other cr<span class=\"_ _0\"></span>edit-related f<span class=\"_ _0\"></span>ees are def<span class=\"_ _0\"></span>erred (together<span class=\"_ _0\"></span> with any incremental c<span class=\"_ _0\"></span>osts), and recognised as an adjustmen<span class=\"_ _0\"></span>t to the EIR on the loan.<span class=\"_ _3e0\"> </span>Customer lo<span class=\"_ _0\"></span>yalty<span class=\"_ _0\"></span> progr<span class=\"_ _0\"></span>amme Customer lo<span class=\"_ _0\"></span>yalty progr<span class=\"_ _0\"></span>amme points accumulated in the business ar<span class=\"_ _0\"></span>e treated as def<span class=\"_ _0\"></span>erred r<span class=\"_ _0\"></span>evenue and rec<span class=\"_ _0\"></span>ognised in revenues gradually<span class=\"_ _0\"></span> as they<span class=\"_ _0\"></span> are earned. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises gross re<span class=\"_ _0\"></span>venue earned fr<span class=\"_ _0\"></span>om customer loyalty<span class=\"_ _0\"></span> programmes <span class=\"_ _0\"></span>when the performance obligation is satisfied, i.e. when <span class=\"_ _0\"></span>the customer redeems the poin<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>Performanc<span class=\"_ _0\"></span>e obligations satisfied at a point in time Fees and commissions earned <span class=\"_ _0\"></span>from pr<span class=\"_ _0\"></span>oviding transaction-type services such as settlemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, brok<span class=\"_ _0\"></span>erage, cash and curr<span class=\"_ _0\"></span>ency conv<span class=\"_ _0\"></span>ersion operations ar<span class=\"_ _0\"></span>e recognised when <span class=\"_ _0\"></span>the ser<span class=\"_ _2\"></span>vice has been completed, pr<span class=\"_ _0\"></span>ovided such f<span class=\"_ _0\"></span>ees and commissions are not subject to r<span class=\"_ _0\"></span>efund or another contingency<span class=\"_ _0\"></span> beyond <span class=\"_ _0\"></span>the control of <span class=\"_ _0\"></span>the Group. F<span class=\"_ _0\"></span>ees from curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version operations r<span class=\"_ _0\"></span>epresent additional commission (<span class=\"_ _0\"></span>other than curr<span class=\"_ _0\"></span>ency dealing rev<span class=\"_ _0\"></span>enue recognised in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain) char<span class=\"_ _0\"></span>ged on currency con<span class=\"_ _0\"></span>version service provided <span class=\"_ _0\"></span>to customers on car<span class=\"_ _0\"></span>ds used abroad.<span class=\"_ _3e0\"> </span>Dividend income<span class=\"_ _3e0\"> </span>Dividend rev<span class=\"_ _0\"></span>enue is recognised when the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the payment is established.<span class=\"_ _3e0\"> </span>Non-recurring items The Group separ<span class=\"_ _0\"></span>ately classifies and discloses <span class=\"_ _0\"></span>those income and expenses that ar<span class=\"_ _0\"></span>e non-recurring by<span class=\"_ _0\"></span> nature. <span class=\"_ _0\"></span>The Group defines  non-recurring income or<span class=\"_ _0\"></span> expense as an income or e<span class=\"_ _0\"></span>xpense triggered b<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>, or originated from, an ec<span class=\"_ _0\"></span>onomic, business or financial event <span class=\"_ _0\"></span>that is not inherent to <span class=\"_ _0\"></span>the regular and or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y business cour<span class=\"_ _0\"></span>se of the Group and is caused b<span class=\"_ _0\"></span>y uncertain or<span class=\"_ _0\"></span> unpredictable external f<span class=\"_ _0\"></span>actors that cannot be r<span class=\"_ _0\"></span>easonably e<span class=\"_ _0\"></span>xpected to occur in the <span class=\"_ _0\"></span>future, and <span class=\"_ _0\"></span>thus should not be taken into ac<span class=\"_ _0\"></span>count when making projections of <span class=\"_ _0\"></span>future r<span class=\"_ _0\"></span>esults.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-764": {
   "value": "Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords pr<span class=\"_ _0\"></span>operty and equipment at cost less accumulated depr<span class=\"_ _0\"></span>eciation and any ac<span class=\"_ _0\"></span>cumulated impairment in value. Depreciation of an asse<span class=\"_ _0\"></span>t commences fr<span class=\"_ _0\"></span>om the date the asset is r<span class=\"_ _0\"></span>eady and available f<span class=\"_ _0\"></span>or use. Depr<span class=\"_ _0\"></span>eciation is calculated on a straight<span class=\"_ _0\"></span>-<span class=\"_ _3e0\"> </span>line basis over <span class=\"_ _0\"></span>the following estimated use<span class=\"_ _0\"></span>ful lives:<span class=\"_ _3e0\"> </span><table class=\"s w374 h109\" id=\"_dedb9e3d-14a2-4665-b6f4-a522b67e45ce\"><tr><td></td><td class=\"t m1 x5de h77 y4bed ffb fs1d fc1 sc0 ls0 ws0\">Y<span class=\"_ _d\"></span>ears<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bee w375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office buildings and service centr<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5df y4bee w376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Up to 100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Furnitur<span class=\"_ _0\"></span>e and fixtures<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e0 y4bef w378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Computers and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e1 y4ac9 w37a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w37b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws37\">Motor vehicles<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e2 y4aa3 w1f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls86 wsc1\">2<span class=\"_ _39\"></span>-7<span class=\"_ _3e0\"> </span></div></td></tr></table>The assets\u2019 r<span class=\"_ _0\"></span>esidual values, useful lives and methods ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed, and adjusted as appropriate, at each <span class=\"_ _0\"></span>financial year-end. Assets under construction ar<span class=\"_ _0\"></span>e stated at cost and are no<span class=\"_ _0\"></span>t depreciated until the <span class=\"_ _0\"></span>time they<span class=\"_ _0\"></span> are available f<span class=\"_ _0\"></span>or use and reclassified t<span class=\"_ _0\"></span>o their re<span class=\"_ _0\"></span>spective group of pr<span class=\"_ _0\"></span>opert<span class=\"_ _2\"></span>y and equipment.<span class=\"_ _3e0\"> </span>Leasehold improv<span class=\"_ _0\"></span>ements are depr<span class=\"_ _0\"></span>eciated over the shorter lif<span class=\"_ _0\"></span>e of the r<span class=\"_ _0\"></span>elated leased asset and the expected lease t<span class=\"_ _0\"></span>erm.<span class=\"_ _3e0\"> </span>Costs relat<span class=\"_ _0\"></span>ed to repairs and r<span class=\"_ _0\"></span>enewals are char<span class=\"_ _0\"></span>ged when incurred and included in other<span class=\"_ _0\"></span> operating expenses, unless <span class=\"_ _0\"></span>they qualify<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> capitalisation.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-710": {
   "value": "Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecords pr<span class=\"_ _0\"></span>operty and equipment at cost less accumulated depr<span class=\"_ _0\"></span>eciation and any ac<span class=\"_ _0\"></span>cumulated impairment in value. Depreciation of an asse<span class=\"_ _0\"></span>t commences fr<span class=\"_ _0\"></span>om the date the asset is r<span class=\"_ _0\"></span>eady and available f<span class=\"_ _0\"></span>or use. Depr<span class=\"_ _0\"></span>eciation is calculated on a straight<span class=\"_ _0\"></span>-<span class=\"_ _3e0\"> </span>line basis over <span class=\"_ _0\"></span>the following estimated use<span class=\"_ _0\"></span>ful lives:<span class=\"_ _3e0\"> </span><table class=\"s w374 h109\" id=\"_dedb9e3d-14a2-4665-b6f4-a522b67e45ce\"><tr><td></td><td class=\"t m1 x5de h77 y4bed ffb fs1d fc1 sc0 ls0 ws0\">Y<span class=\"_ _d\"></span>ears<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bee w375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office buildings and service centr<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5df y4bee w376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Up to 100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Furnitur<span class=\"_ _0\"></span>e and fixtures<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e0 y4bef w378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Computers and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e1 y4ac9 w37a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w37b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws37\">Motor vehicles<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e2 y4aa3 w1f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls86 wsc1\">2<span class=\"_ _39\"></span>-7<span class=\"_ _3e0\"> </span></div></td></tr></table>The assets\u2019 r<span class=\"_ _0\"></span>esidual values, useful lives and methods ar<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>wed, and adjusted as appropriate, at each <span class=\"_ _0\"></span>financial year-end. Assets under construction ar<span class=\"_ _0\"></span>e stated at cost and are no<span class=\"_ _0\"></span>t depreciated until the <span class=\"_ _0\"></span>time they<span class=\"_ _0\"></span> are available f<span class=\"_ _0\"></span>or use and reclassified t<span class=\"_ _0\"></span>o their re<span class=\"_ _0\"></span>spective group of pr<span class=\"_ _0\"></span>opert<span class=\"_ _2\"></span>y and equipment.<span class=\"_ _3e0\"> </span>Leasehold improv<span class=\"_ _0\"></span>ements are depr<span class=\"_ _0\"></span>eciated over the shorter lif<span class=\"_ _0\"></span>e of the r<span class=\"_ _0\"></span>elated leased asset and the expected lease t<span class=\"_ _0\"></span>erm.<span class=\"_ _3e0\"> </span>Costs relat<span class=\"_ _0\"></span>ed to repairs and r<span class=\"_ _0\"></span>enewals are char<span class=\"_ _0\"></span>ged when incurred and included in other<span class=\"_ _0\"></span> operating expenses, unless <span class=\"_ _0\"></span>they qualify<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> capitalisation.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-816": {
   "value": "Goodwill impairment<span class=\"_ _3e0\"> </span>Goodwill is revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually<span class=\"_ _0\"></span>, or mor<span class=\"_ _0\"></span>e frequen<span class=\"_ _0\"></span>tly if ev<span class=\"_ _0\"></span>ents or changes in circumstanc<span class=\"_ _0\"></span>es indicate that the carrying amount may be impair<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of impairment testing, goodwill acquir<span class=\"_ _0\"></span>ed in a business combination is, fr<span class=\"_ _0\"></span>om the acquisition date, alloc<span class=\"_ _0\"></span>ated to each of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s cash-generating units, or gr<span class=\"_ _0\"></span>oups of cash-generating units, <span class=\"_ _0\"></span>that are expected to bene<span class=\"_ _0\"></span>fit from <span class=\"_ _0\"></span>the synergies of the combination, irrespective o<span class=\"_ _0\"></span>f whether other as<span class=\"_ _0\"></span>sets or liabilities of the Gr<span class=\"_ _0\"></span>oup are assigned to those units or<span class=\"_ _0\"></span> groups of units. Each unit or group o<span class=\"_ _0\"></span>f units to which the goodwill is so allocat<span class=\"_ _0\"></span>ed:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>represen<span class=\"_ _0\"></span>ts the lowest level <span class=\"_ _0\"></span>within the Group at which the goodwill is monit<span class=\"_ _0\"></span>ored f<span class=\"_ _0\"></span>or internal management purposes; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>is not larger <span class=\"_ _0\"></span>than a segment as defined in IFRS 8 Operating Segments.<span class=\"_ _3e0\"> </span>Impairment is determined b<span class=\"_ _0\"></span>y assessing the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units), to which the goodwill relat<span class=\"_ _0\"></span>es. Where the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units) is less than the carrying amount, an impairment loss is recognised. Impairment losses c<span class=\"_ _0\"></span>annot be rever<span class=\"_ _0\"></span>sed in future periods.<span class=\"_ _3e0\"> </span>Intangible assets<span class=\"_ _3e0\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s intangible assets include computer<span class=\"_ _0\"></span> software and lic<span class=\"_ _0\"></span>ences. Intangible assets acquir<span class=\"_ _0\"></span>ed separately<span class=\"_ _0\"></span> are initially<span class=\"_ _0\"></span> measured at cost and subsequently<span class=\"_ _0\"></span> carried at cost less any<span class=\"_ _0\"></span> accumulated amortisation and any ac<span class=\"_ _0\"></span>cumulated impairment losses. The economic liv<span class=\"_ _0\"></span>es of intangible assets ar<span class=\"_ _0\"></span>e assessed to be finite and amortised over f<span class=\"_ _0\"></span>our to 15 <span class=\"_ _0\"></span>years and assessed f<span class=\"_ _0\"></span>or impairment whenev<span class=\"_ _0\"></span>er there is an indic<span class=\"_ _0\"></span>ation that the intangible asset may<span class=\"_ _0\"></span> be impaired. <span class=\"_ _0\"></span>Amortisation periods and methods for int<span class=\"_ _0\"></span>angible assets are re<span class=\"_ _0\"></span>viewed at least at each financial y<span class=\"_ _0\"></span>ear-end. Costs associated with maint<span class=\"_ _0\"></span>aining computer softwar<span class=\"_ _0\"></span>e progr<span class=\"_ _0\"></span>ammes are rec<span class=\"_ _0\"></span>orded as an expense as incurr<span class=\"_ _0\"></span>ed. Softwar<span class=\"_ _0\"></span>e development costs (relating <span class=\"_ _0\"></span>to the design and testing of ne<span class=\"_ _0\"></span>w or substantially<span class=\"_ _0\"></span> improved sof<span class=\"_ _0\"></span>tware<span class=\"_ _0\"></span>) are r<span class=\"_ _0\"></span>ecognised as intangible assets.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-711": {
   "value": "Goodwill impairment<span class=\"_ _3e0\"> </span>Goodwill is revie<span class=\"_ _0\"></span>wed for impairmen<span class=\"_ _0\"></span>t annually<span class=\"_ _0\"></span>, or mor<span class=\"_ _0\"></span>e frequen<span class=\"_ _0\"></span>tly if ev<span class=\"_ _0\"></span>ents or changes in circumstanc<span class=\"_ _0\"></span>es indicate that the carrying amount may be impair<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of impairment testing, goodwill acquir<span class=\"_ _0\"></span>ed in a business combination is, fr<span class=\"_ _0\"></span>om the acquisition date, alloc<span class=\"_ _0\"></span>ated to each of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s cash-generating units, or gr<span class=\"_ _0\"></span>oups of cash-generating units, <span class=\"_ _0\"></span>that are expected to bene<span class=\"_ _0\"></span>fit from <span class=\"_ _0\"></span>the synergies of the combination, irrespective o<span class=\"_ _0\"></span>f whether other as<span class=\"_ _0\"></span>sets or liabilities of the Gr<span class=\"_ _0\"></span>oup are assigned to those units or<span class=\"_ _0\"></span> groups of units. Each unit or group o<span class=\"_ _0\"></span>f units to which the goodwill is so allocat<span class=\"_ _0\"></span>ed:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>represen<span class=\"_ _0\"></span>ts the lowest level <span class=\"_ _0\"></span>within the Group at which the goodwill is monit<span class=\"_ _0\"></span>ored f<span class=\"_ _0\"></span>or internal management purposes; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>is not larger <span class=\"_ _0\"></span>than a segment as defined in IFRS 8 Operating Segments.<span class=\"_ _3e0\"> </span>Impairment is determined b<span class=\"_ _0\"></span>y assessing the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units), to which the goodwill relat<span class=\"_ _0\"></span>es. Where the r<span class=\"_ _0\"></span>ecover<span class=\"_ _0\"></span>able amount of the cash-gener<span class=\"_ _0\"></span>ating unit (or<span class=\"_ _0\"></span> group of cash-gener<span class=\"_ _0\"></span>ating units) is less than the carrying amount, an impairment loss is recognised. Impairment losses c<span class=\"_ _0\"></span>annot be rever<span class=\"_ _0\"></span>sed in future periods.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-712": {
   "value": "Intangible assets<span class=\"_ _3e0\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s intangible assets include computer<span class=\"_ _0\"></span> software and lic<span class=\"_ _0\"></span>ences. Intangible assets acquir<span class=\"_ _0\"></span>ed separately<span class=\"_ _0\"></span> are initially<span class=\"_ _0\"></span> measured at cost and subsequently<span class=\"_ _0\"></span> carried at cost less any<span class=\"_ _0\"></span> accumulated amortisation and any ac<span class=\"_ _0\"></span>cumulated impairment losses. The economic liv<span class=\"_ _0\"></span>es of intangible assets ar<span class=\"_ _0\"></span>e assessed to be finite and amortised over f<span class=\"_ _0\"></span>our to 15 <span class=\"_ _0\"></span>years and assessed f<span class=\"_ _0\"></span>or impairment whenev<span class=\"_ _0\"></span>er there is an indic<span class=\"_ _0\"></span>ation that the intangible asset may<span class=\"_ _0\"></span> be impaired. <span class=\"_ _0\"></span>Amortisation periods and methods for int<span class=\"_ _0\"></span>angible assets are re<span class=\"_ _0\"></span>viewed at least at each financial y<span class=\"_ _0\"></span>ear-end. Costs associated with maint<span class=\"_ _0\"></span>aining computer softwar<span class=\"_ _0\"></span>e progr<span class=\"_ _0\"></span>ammes are rec<span class=\"_ _0\"></span>orded as an expense as incurr<span class=\"_ _0\"></span>ed. Softwar<span class=\"_ _0\"></span>e development costs (relating <span class=\"_ _0\"></span>to the design and testing of ne<span class=\"_ _0\"></span>w or substantially<span class=\"_ _0\"></span> improved sof<span class=\"_ _0\"></span>tware<span class=\"_ _0\"></span>) are r<span class=\"_ _0\"></span>ecognised as intangible assets.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-713": {
   "value": "Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises provisions <span class=\"_ _0\"></span>when it has a present legal or c<span class=\"_ _0\"></span>onstructive obligation as a result of past ev<span class=\"_ _0\"></span>ents, and it is probable that an outflow of<span class=\"_ _0\"></span> resources embodying ec<span class=\"_ _0\"></span>onomic benefits will be requir<span class=\"_ _0\"></span>ed to settle the obligation and a r<span class=\"_ _0\"></span>eliable estimate of the amount of obligation can be made<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-714": {
   "value": "Share-based payment tr<span class=\"_ _0\"></span>ansactions<span class=\"_ _3e0\"> </span>Employees (including senior<span class=\"_ _0\"></span> executiv<span class=\"_ _0\"></span>es) of the Gr<span class=\"_ _0\"></span>oup receive shar<span class=\"_ _0\"></span>e-based remuneration, <span class=\"_ _0\"></span>whereby<span class=\"_ _0\"></span> they<span class=\"_ _0\"></span> render services and r<span class=\"_ _0\"></span>eceive equity instruments o<span class=\"_ _0\"></span>f the Group (\u2018<span class=\"_ _d\"></span>equity-settled transactions\u2019) as c<span class=\"_ _0\"></span>onsideration f<span class=\"_ _0\"></span>or the services provided.<span class=\"_ _3e0\"> </span>Equity-s<span class=\"_ _0\"></span>ettled transactions The cost of equity-se<span class=\"_ _0\"></span>ttled transactions with emplo<span class=\"_ _0\"></span>yees is measured b<span class=\"_ _0\"></span>y re<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>e to the f<span class=\"_ _0\"></span>air value at the date on <span class=\"_ _0\"></span>which they<span class=\"_ _0\"></span> are granted. <span class=\"_ _0\"></span>The awards of<span class=\"_ _0\"></span> shares in monetary terms ar<span class=\"_ _0\"></span>e measured b<span class=\"_ _0\"></span>y ref<span class=\"_ _0\"></span>erence <span class=\"_ _0\"></span>to the monetary value (<span class=\"_ _d\"></span>as awarded) adjusted f<span class=\"_ _0\"></span>or the time value of mone<span class=\"_ _0\"></span>y wher<span class=\"_ _0\"></span>e necessary<span class=\"_ _0\"></span>. The cost of equity-se<span class=\"_ _0\"></span>ttled transactions is r<span class=\"_ _0\"></span>ecognised together with <span class=\"_ _0\"></span>the corresponding incr<span class=\"_ _0\"></span>ease in equity as part of additional paid-<span class=\"_ _3e0\"> </span>in capital, over<span class=\"_ _0\"></span> the period in which the performanc<span class=\"_ _0\"></span>e and/<span class=\"_ _d\"></span>or service conditions are f<span class=\"_ _0\"></span>ulfilled, ending on the date when the r<span class=\"_ _0\"></span>elevant employee is <span class=\"_ _0\"></span>fully entitled <span class=\"_ _0\"></span>to the award (\u2018the vesting dat<span class=\"_ _0\"></span>e\u2019). The subsequen<span class=\"_ _0\"></span>t holding period does not imply any<span class=\"_ _0\"></span> employment service provision <span class=\"_ _0\"></span>from the shar<span class=\"_ _0\"></span>e recipient side<span class=\"_ _0\"></span>, theref<span class=\"_ _0\"></span>ore it does not aff<span class=\"_ _0\"></span>ect the expense r<span class=\"_ _0\"></span>ecognition period. The consolidat<span class=\"_ _0\"></span>ed income statement char<span class=\"_ _0\"></span>ge or credit f<span class=\"_ _0\"></span>or the period r<span class=\"_ _0\"></span>epresents the mov<span class=\"_ _0\"></span>ement in cumulative expense r<span class=\"_ _0\"></span>ecognised as at the beginning and end of that period.<span class=\"_ _3e0\"> </span>Where the <span class=\"_ _0\"></span>terms of an equity-settled awar<span class=\"_ _0\"></span>d are modified, the Gr<span class=\"_ _0\"></span>oup recognises the minimum e<span class=\"_ _0\"></span>xpense as if the terms had not been modified. An additional e<span class=\"_ _0\"></span>xpense is recognised f<span class=\"_ _0\"></span>or any<span class=\"_ _0\"></span> modification that increases <span class=\"_ _0\"></span>the total f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>the share-based payment arrangement, or is otherwise beneficial to <span class=\"_ _0\"></span>the employee as measured at <span class=\"_ _0\"></span>the date of the modification.<span class=\"_ _3e0\"> </span>Where a new<span class=\"_ _0\"></span> equity-settled award is designat<span class=\"_ _0\"></span>ed as a replacement of a c<span class=\"_ _0\"></span>ancelled equity-settled awar<span class=\"_ _0\"></span>d, the replacement o<span class=\"_ _0\"></span>f equity instruments ar<span class=\"_ _0\"></span>e accounted f<span class=\"_ _0\"></span>or as a modification. Where the Gr<span class=\"_ _0\"></span>oup cancels an equity-set<span class=\"_ _0\"></span>tled award, it is tr<span class=\"_ _0\"></span>eated as if it has vested on the date o<span class=\"_ _0\"></span>f cancellation, and any<span class=\"_ _0\"></span> expense not y<span class=\"_ _0\"></span>et recognised f<span class=\"_ _0\"></span>or the awar<span class=\"_ _0\"></span>d is recognised immediately<span class=\"_ _d\"></span>. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, if a new award is substituted <span class=\"_ _0\"></span>for the c<span class=\"_ _0\"></span>ancelled award, and designated as the r<span class=\"_ _0\"></span>eplacement award on the dat<span class=\"_ _0\"></span>e that it is granted, the c<span class=\"_ _0\"></span>ancelled and the new awar<span class=\"_ _0\"></span>ds are tr<span class=\"_ _0\"></span>eated as if they<span class=\"_ _0\"></span> wer<span class=\"_ _0\"></span>e a modification of the original aw<span class=\"_ _0\"></span>ard, as described in the pr<span class=\"_ _0\"></span>evious paragraph.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-715": {
   "value": "Equity<span class=\"_ _3e0\"> </span>Share capit<span class=\"_ _0\"></span>al<span class=\"_ _3e0\"> </span>Ordinary shar<span class=\"_ _0\"></span>es are classified as equity<span class=\"_ _d\"></span>. External costs directly<span class=\"_ _0\"></span> attributable to the issue of ne<span class=\"_ _0\"></span>w shares, other <span class=\"_ _0\"></span>than on a business combination, are sho<span class=\"_ _0\"></span>wn as a deduction from the pr<span class=\"_ _0\"></span>oceeds in equity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Additional paid-in capit<span class=\"_ _0\"></span>al<span class=\"_ _3e0\"> </span>Any<span class=\"_ _0\"></span> exc<span class=\"_ _0\"></span>ess of the f<span class=\"_ _0\"></span>air value of c<span class=\"_ _0\"></span>onsideration receiv<span class=\"_ _0\"></span>ed over the par<span class=\"_ _0\"></span> value of shar<span class=\"_ _0\"></span>es issued is recognised as additional paid-in capital. Further<span class=\"_ _d\"></span>, the eff<span class=\"_ _0\"></span>ects of share-based payments ar<span class=\"_ _0\"></span>e also recognised as part of <span class=\"_ _0\"></span>the additional paid-in capital. T<span class=\"_ _d\"></span>reasur<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span>Where BOGG or its sub<span class=\"_ _0\"></span>sidiaries purchase BOGG\u2019<span class=\"_ _0\"></span>s shares, <span class=\"_ _0\"></span>the consideration paid, including any<span class=\"_ _0\"></span> attributable tr<span class=\"_ _0\"></span>ansaction costs, net of income <span class=\"_ _0\"></span>taxes, is deducted fr<span class=\"_ _0\"></span>om total equity as <span class=\"_ _0\"></span>treasury shares un<span class=\"_ _0\"></span>til they<span class=\"_ _0\"></span> are cancelled or r<span class=\"_ _0\"></span>eissued. Where such shar<span class=\"_ _0\"></span>es are subsequently<span class=\"_ _0\"></span> sold or r<span class=\"_ _0\"></span>eissued, any consider<span class=\"_ _0\"></span>ation receiv<span class=\"_ _0\"></span>ed is included in equity<span class=\"_ _0\"></span>. T<span class=\"_ _d\"></span>reasury shar<span class=\"_ _0\"></span>es are stated at par <span class=\"_ _0\"></span>value, with adjustment of pr<span class=\"_ _0\"></span>emiums against additional paid-in capital.<span class=\"_ _3e0\"> </span>Dividends The Group r<span class=\"_ _0\"></span>ecognises dividends as liabilities and deducts them fr<span class=\"_ _0\"></span>om equity at the r<span class=\"_ _0\"></span>eporting date only if the<span class=\"_ _0\"></span>y are declar<span class=\"_ _0\"></span>ed befor<span class=\"_ _0\"></span>e or on the r<span class=\"_ _0\"></span>eporting date and do not require <span class=\"_ _0\"></span>further approv<span class=\"_ _0\"></span>al. Dividends are disclosed when the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>oposed befor<span class=\"_ _0\"></span>e the reporting date or pr<span class=\"_ _0\"></span>oposed or declared aft<span class=\"_ _0\"></span>er the reporting date but bef<span class=\"_ _0\"></span>ore the consolidat<span class=\"_ _0\"></span>ed financial statements are authorised <span class=\"_ _0\"></span>for issue. <span class=\"_ _0\"></span>All expenses associated <span class=\"_ _0\"></span>with dividend distribution are added to the dividend amoun<span class=\"_ _0\"></span>t and recorded dir<span class=\"_ _0\"></span>ectly thr<span class=\"_ _0\"></span>ough equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForEquity",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-765": {
   "value": "Share capit<span class=\"_ _0\"></span>al<span class=\"_ _3e0\"> </span>Ordinary shar<span class=\"_ _0\"></span>es are classified as equity<span class=\"_ _d\"></span>. External costs directly<span class=\"_ _0\"></span> attributable to the issue of ne<span class=\"_ _0\"></span>w shares, other <span class=\"_ _0\"></span>than on a business combination, are sho<span class=\"_ _0\"></span>wn as a deduction from the pr<span class=\"_ _0\"></span>oceeds in equity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-766": {
   "value": "T<span class=\"_ _d\"></span>reasur<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span>Where BOGG or its sub<span class=\"_ _0\"></span>sidiaries purchase BOGG\u2019<span class=\"_ _0\"></span>s shares, <span class=\"_ _0\"></span>the consideration paid, including any<span class=\"_ _0\"></span> attributable tr<span class=\"_ _0\"></span>ansaction costs, net of income <span class=\"_ _0\"></span>taxes, is deducted fr<span class=\"_ _0\"></span>om total equity as <span class=\"_ _0\"></span>treasury shares un<span class=\"_ _0\"></span>til they<span class=\"_ _0\"></span> are cancelled or r<span class=\"_ _0\"></span>eissued. Where such shar<span class=\"_ _0\"></span>es are subsequently<span class=\"_ _0\"></span> sold or r<span class=\"_ _0\"></span>eissued, any consider<span class=\"_ _0\"></span>ation receiv<span class=\"_ _0\"></span>ed is included in equity<span class=\"_ _0\"></span>. T<span class=\"_ _d\"></span>reasury shar<span class=\"_ _0\"></span>es are stated at par <span class=\"_ _0\"></span>value, with adjustment of pr<span class=\"_ _0\"></span>emiums against additional paid-in capital.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-767": {
   "value": "Dividends The Group r<span class=\"_ _0\"></span>ecognises dividends as liabilities and deducts them fr<span class=\"_ _0\"></span>om equity at the r<span class=\"_ _0\"></span>eporting date only if the<span class=\"_ _0\"></span>y are declar<span class=\"_ _0\"></span>ed befor<span class=\"_ _0\"></span>e or on the r<span class=\"_ _0\"></span>eporting date and do not require <span class=\"_ _0\"></span>further approv<span class=\"_ _0\"></span>al. Dividends are disclosed when the<span class=\"_ _0\"></span>y are pr<span class=\"_ _0\"></span>oposed befor<span class=\"_ _0\"></span>e the reporting date or pr<span class=\"_ _0\"></span>oposed or declared aft<span class=\"_ _0\"></span>er the reporting date but bef<span class=\"_ _0\"></span>ore the consolidat<span class=\"_ _0\"></span>ed financial statements are authorised <span class=\"_ _0\"></span>for issue. <span class=\"_ _0\"></span>All expenses associated <span class=\"_ _0\"></span>with dividend distribution are added to the dividend amoun<span class=\"_ _0\"></span>t and recorded dir<span class=\"_ _0\"></span>ectly thr<span class=\"_ _0\"></span>ough equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Dividend income<span class=\"_ _3e0\"> </span>Dividend rev<span class=\"_ _0\"></span>enue is recognised when the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the payment is established.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-716": {
   "value": "Contingencies<span class=\"_ _3e0\"> </span>Contingent liabilities ar<span class=\"_ _0\"></span>e not recognised in <span class=\"_ _0\"></span>the consolidated statement of financial position but ar<span class=\"_ _0\"></span>e disclosed, unless the possibility of any<span class=\"_ _0\"></span> outflow in set<span class=\"_ _0\"></span>tlement is remote. <span class=\"_ _0\"></span>A contingent asse<span class=\"_ _0\"></span>t is not recognised in the c<span class=\"_ _0\"></span>onsolidated statement of financial position but disclosed when an inflo<span class=\"_ _0\"></span>w of economic benefits is pr<span class=\"_ _0\"></span>obable.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-802": {
   "value": "Income and e<span class=\"_ _0\"></span>xpense rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>Revenue is r<span class=\"_ _0\"></span>ecognised to the e<span class=\"_ _0\"></span>xtent that it is pr<span class=\"_ _0\"></span>obable that the economic benefits will <span class=\"_ _0\"></span>flow to the Gr<span class=\"_ _0\"></span>oup and the rev<span class=\"_ _0\"></span>enue can be reliably<span class=\"_ _0\"></span> measured. <span class=\"_ _0\"></span>The following specific r<span class=\"_ _0\"></span>ecognition criteria must also be met bef<span class=\"_ _0\"></span>ore re<span class=\"_ _0\"></span>venue and expense ar<span class=\"_ _0\"></span>e recognised:<span class=\"_ _3e0\"> </span>Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Fee and commis<span class=\"_ _0\"></span>sion income<span class=\"_ _3e0\"> </span>The Group earns f<span class=\"_ _0\"></span>ee and commission income f<span class=\"_ _0\"></span>rom a diverse r<span class=\"_ _0\"></span>ange of services it provides <span class=\"_ _0\"></span>to its customers. Fee and commission income are r<span class=\"_ _0\"></span>ecognised when the Gr<span class=\"_ _0\"></span>oup satisfies a performance obligation. F<span class=\"_ _0\"></span>ee income can be divided into the f<span class=\"_ _0\"></span>ollowing categories:<span class=\"_ _3e0\"> </span>Fee income earned <span class=\"_ _0\"></span>from services that ar<span class=\"_ _0\"></span>e provided o<span class=\"_ _0\"></span>ver a certain period of time<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises f<span class=\"_ _0\"></span>ees income for<span class=\"_ _0\"></span> the provision of services ov<span class=\"_ _0\"></span>er a period of time ov<span class=\"_ _0\"></span>er that period. These <span class=\"_ _0\"></span>fees include commission incomes and asset management, custody<span class=\"_ _d\"></span>, package services on bundled products and other managemen<span class=\"_ _0\"></span>t and advisor<span class=\"_ _2\"></span>y f<span class=\"_ _0\"></span>ees. Loan commitment f<span class=\"_ _0\"></span>ees for<span class=\"_ _0\"></span> loans that are lik<span class=\"_ _0\"></span>ely to be dr<span class=\"_ _0\"></span>awn-down and other cr<span class=\"_ _0\"></span>edit-related f<span class=\"_ _0\"></span>ees are def<span class=\"_ _0\"></span>erred (together<span class=\"_ _0\"></span> with any incremental c<span class=\"_ _0\"></span>osts), and recognised as an adjustmen<span class=\"_ _0\"></span>t to the EIR on the loan.<span class=\"_ _3e0\"> </span>Customer lo<span class=\"_ _0\"></span>yalty<span class=\"_ _0\"></span> progr<span class=\"_ _0\"></span>amme Customer lo<span class=\"_ _0\"></span>yalty progr<span class=\"_ _0\"></span>amme points accumulated in the business ar<span class=\"_ _0\"></span>e treated as def<span class=\"_ _0\"></span>erred r<span class=\"_ _0\"></span>evenue and rec<span class=\"_ _0\"></span>ognised in revenues gradually<span class=\"_ _0\"></span> as they<span class=\"_ _0\"></span> are earned. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises gross re<span class=\"_ _0\"></span>venue earned fr<span class=\"_ _0\"></span>om customer loyalty<span class=\"_ _0\"></span> programmes <span class=\"_ _0\"></span>when the performance obligation is satisfied, i.e. when <span class=\"_ _0\"></span>the customer redeems the poin<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>Performanc<span class=\"_ _0\"></span>e obligations satisfied at a point in time Fees and commissions earned <span class=\"_ _0\"></span>from pr<span class=\"_ _0\"></span>oviding transaction-type services such as settlemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, brok<span class=\"_ _0\"></span>erage, cash and curr<span class=\"_ _0\"></span>ency conv<span class=\"_ _0\"></span>ersion operations ar<span class=\"_ _0\"></span>e recognised when <span class=\"_ _0\"></span>the ser<span class=\"_ _2\"></span>vice has been completed, pr<span class=\"_ _0\"></span>ovided such f<span class=\"_ _0\"></span>ees and commissions are not subject to r<span class=\"_ _0\"></span>efund or another contingency<span class=\"_ _0\"></span> beyond <span class=\"_ _0\"></span>the control of <span class=\"_ _0\"></span>the Group. F<span class=\"_ _0\"></span>ees from curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version operations r<span class=\"_ _0\"></span>epresent additional commission (<span class=\"_ _0\"></span>other than curr<span class=\"_ _0\"></span>ency dealing rev<span class=\"_ _0\"></span>enue recognised in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain) char<span class=\"_ _0\"></span>ged on currency con<span class=\"_ _0\"></span>version service provided <span class=\"_ _0\"></span>to customers on car<span class=\"_ _0\"></span>ds used abroad.<span class=\"_ _3e0\"> </span>Dividend income<span class=\"_ _3e0\"> </span>Dividend rev<span class=\"_ _0\"></span>enue is recognised when the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the payment is established.<span class=\"_ _3e0\"> </span>Non-recurring items The Group separ<span class=\"_ _0\"></span>ately classifies and discloses <span class=\"_ _0\"></span>those income and expenses that ar<span class=\"_ _0\"></span>e non-recurring by<span class=\"_ _0\"></span> nature. <span class=\"_ _0\"></span>The Group defines  non-recurring income or<span class=\"_ _0\"></span> expense as an income or e<span class=\"_ _0\"></span>xpense triggered b<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>, or originated from, an ec<span class=\"_ _0\"></span>onomic, business or financial event <span class=\"_ _0\"></span>that is not inherent to <span class=\"_ _0\"></span>the regular and or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y business cour<span class=\"_ _0\"></span>se of the Group and is caused b<span class=\"_ _0\"></span>y uncertain or<span class=\"_ _0\"></span> unpredictable external f<span class=\"_ _0\"></span>actors that cannot be r<span class=\"_ _0\"></span>easonably e<span class=\"_ _0\"></span>xpected to occur in the <span class=\"_ _0\"></span>future, and <span class=\"_ _0\"></span>thus should not be taken into ac<span class=\"_ _0\"></span>count when making projections of <span class=\"_ _0\"></span>future r<span class=\"_ _0\"></span>esults.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-717": {
   "value": "Income and e<span class=\"_ _0\"></span>xpense rec<span class=\"_ _0\"></span>ognition<span class=\"_ _3e0\"> </span>Revenue is r<span class=\"_ _0\"></span>ecognised to the e<span class=\"_ _0\"></span>xtent that it is pr<span class=\"_ _0\"></span>obable that the economic benefits will <span class=\"_ _0\"></span>flow to the Gr<span class=\"_ _0\"></span>oup and the rev<span class=\"_ _0\"></span>enue can be reliably<span class=\"_ _0\"></span> measured. <span class=\"_ _0\"></span>The following specific r<span class=\"_ _0\"></span>ecognition criteria must also be met bef<span class=\"_ _0\"></span>ore re<span class=\"_ _0\"></span>venue and expense ar<span class=\"_ _0\"></span>e recognised:<span class=\"_ _3e0\"> </span>Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>Fee and commis<span class=\"_ _0\"></span>sion income<span class=\"_ _3e0\"> </span>The Group earns f<span class=\"_ _0\"></span>ee and commission income f<span class=\"_ _0\"></span>rom a diverse r<span class=\"_ _0\"></span>ange of services it provides <span class=\"_ _0\"></span>to its customers. Fee and commission income are r<span class=\"_ _0\"></span>ecognised when the Gr<span class=\"_ _0\"></span>oup satisfies a performance obligation. F<span class=\"_ _0\"></span>ee income can be divided into the f<span class=\"_ _0\"></span>ollowing categories:<span class=\"_ _3e0\"> </span>Fee income earned <span class=\"_ _0\"></span>from services that ar<span class=\"_ _0\"></span>e provided o<span class=\"_ _0\"></span>ver a certain period of time<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises f<span class=\"_ _0\"></span>ees income for<span class=\"_ _0\"></span> the provision of services ov<span class=\"_ _0\"></span>er a period of time ov<span class=\"_ _0\"></span>er that period. These <span class=\"_ _0\"></span>fees include commission incomes and asset management, custody<span class=\"_ _d\"></span>, package services on bundled products and other managemen<span class=\"_ _0\"></span>t and advisor<span class=\"_ _2\"></span>y f<span class=\"_ _0\"></span>ees. Loan commitment f<span class=\"_ _0\"></span>ees for<span class=\"_ _0\"></span> loans that are lik<span class=\"_ _0\"></span>ely to be dr<span class=\"_ _0\"></span>awn-down and other cr<span class=\"_ _0\"></span>edit-related f<span class=\"_ _0\"></span>ees are def<span class=\"_ _0\"></span>erred (together<span class=\"_ _0\"></span> with any incremental c<span class=\"_ _0\"></span>osts), and recognised as an adjustmen<span class=\"_ _0\"></span>t to the EIR on the loan.<span class=\"_ _3e0\"> </span>Customer lo<span class=\"_ _0\"></span>yalty<span class=\"_ _0\"></span> progr<span class=\"_ _0\"></span>amme Customer lo<span class=\"_ _0\"></span>yalty progr<span class=\"_ _0\"></span>amme points accumulated in the business ar<span class=\"_ _0\"></span>e treated as def<span class=\"_ _0\"></span>erred r<span class=\"_ _0\"></span>evenue and rec<span class=\"_ _0\"></span>ognised in revenues gradually<span class=\"_ _0\"></span> as they<span class=\"_ _0\"></span> are earned. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises gross re<span class=\"_ _0\"></span>venue earned fr<span class=\"_ _0\"></span>om customer loyalty<span class=\"_ _0\"></span> programmes <span class=\"_ _0\"></span>when the performance obligation is satisfied, i.e. when <span class=\"_ _0\"></span>the customer redeems the poin<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>Performanc<span class=\"_ _0\"></span>e obligations satisfied at a point in time Fees and commissions earned <span class=\"_ _0\"></span>from pr<span class=\"_ _0\"></span>oviding transaction-type services such as settlemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, brok<span class=\"_ _0\"></span>erage, cash and curr<span class=\"_ _0\"></span>ency conv<span class=\"_ _0\"></span>ersion operations ar<span class=\"_ _0\"></span>e recognised when <span class=\"_ _0\"></span>the ser<span class=\"_ _2\"></span>vice has been completed, pr<span class=\"_ _0\"></span>ovided such f<span class=\"_ _0\"></span>ees and commissions are not subject to r<span class=\"_ _0\"></span>efund or another contingency<span class=\"_ _0\"></span> beyond <span class=\"_ _0\"></span>the control of <span class=\"_ _0\"></span>the Group. F<span class=\"_ _0\"></span>ees from curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version operations r<span class=\"_ _0\"></span>epresent additional commission (<span class=\"_ _0\"></span>other than curr<span class=\"_ _0\"></span>ency dealing rev<span class=\"_ _0\"></span>enue recognised in net f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency gain) char<span class=\"_ _0\"></span>ged on currency con<span class=\"_ _0\"></span>version service provided <span class=\"_ _0\"></span>to customers on car<span class=\"_ _0\"></span>ds used abroad.<span class=\"_ _3e0\"> </span>Dividend income<span class=\"_ _3e0\"> </span>Dividend rev<span class=\"_ _0\"></span>enue is recognised when the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s right to rec<span class=\"_ _0\"></span>eive the payment is established.<span class=\"_ _3e0\"> </span>Non-recurring items The Group separ<span class=\"_ _0\"></span>ately classifies and discloses <span class=\"_ _0\"></span>those income and expenses that ar<span class=\"_ _0\"></span>e non-recurring by<span class=\"_ _0\"></span> nature. <span class=\"_ _0\"></span>The Group defines  non-recurring income or<span class=\"_ _0\"></span> expense as an income or e<span class=\"_ _0\"></span>xpense triggered b<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>, or originated from, an ec<span class=\"_ _0\"></span>onomic, business or financial event <span class=\"_ _0\"></span>that is not inherent to <span class=\"_ _0\"></span>the regular and or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y business cour<span class=\"_ _0\"></span>se of the Group and is caused b<span class=\"_ _0\"></span>y uncertain or<span class=\"_ _0\"></span> unpredictable external f<span class=\"_ _0\"></span>actors that cannot be r<span class=\"_ _0\"></span>easonably e<span class=\"_ _0\"></span>xpected to occur in the <span class=\"_ _0\"></span>future, and <span class=\"_ _0\"></span>thus should not be taken into ac<span class=\"_ _0\"></span>count when making projections of <span class=\"_ _0\"></span>future r<span class=\"_ _0\"></span>esults.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForIncomeAndExpenseRecognition",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-830": {
   "value": "Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-826": {
   "value": "Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-768": {
   "value": "Inter<span class=\"_ _0\"></span>est and similar income and e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span>For all <span class=\"_ _0\"></span>financial instruments measured at amortised cost and inter<span class=\"_ _0\"></span>est-bearing securities, inter<span class=\"_ _0\"></span>est income or expense is r<span class=\"_ _0\"></span>ecorded at the EIR<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial instruments in Stage 1 and Stage 2, the Gr<span class=\"_ _0\"></span>oup calculates interest inc<span class=\"_ _0\"></span>ome by applying <span class=\"_ _0\"></span>the EIR to the gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount. Interest income <span class=\"_ _0\"></span>for financial asse<span class=\"_ _0\"></span>ts in Stage 3 is calculated by<span class=\"_ _0\"></span> applying the EIR to the amortised cost (i.<span class=\"_ _0\"></span>e. the gross carrying amount less credit loss allo<span class=\"_ _0\"></span>wance<span class=\"_ _0\"></span>). For financial instr<span class=\"_ _0\"></span>uments classified as POCI only<span class=\"_ _d\"></span>, interest income is calculated b<span class=\"_ _0\"></span>y applying a credit adjusted EIR <span class=\"_ _0\"></span>to the amortised cost of these POCI assets. <span class=\"_ _0\"></span>The Group pr<span class=\"_ _0\"></span>esents interest r<span class=\"_ _0\"></span>evenue calculated using the EIR method separately<span class=\"_ _0\"></span> in the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-769": {
   "value": "Fee and commis<span class=\"_ _0\"></span>sion income<span class=\"_ _3e0\"> </span>The Group earns f<span class=\"_ _0\"></span>ee and commission income f<span class=\"_ _0\"></span>rom a diverse r<span class=\"_ _0\"></span>ange of services it provides <span class=\"_ _0\"></span>to its customers. Fee and commission income are r<span class=\"_ _0\"></span>ecognised when the Gr<span class=\"_ _0\"></span>oup satisfies a performance obligation. F<span class=\"_ _0\"></span>ee income can be divided into the f<span class=\"_ _0\"></span>ollowing categories:<span class=\"_ _3e0\"> </span>Fee income earned <span class=\"_ _0\"></span>from services that ar<span class=\"_ _0\"></span>e provided o<span class=\"_ _0\"></span>ver a certain period of time<span class=\"_ _3e0\"> </span>The Group r<span class=\"_ _0\"></span>ecognises f<span class=\"_ _0\"></span>ees income for<span class=\"_ _0\"></span> the provision of services ov<span class=\"_ _0\"></span>er a period of time ov<span class=\"_ _0\"></span>er that period. These <span class=\"_ _0\"></span>fees include commission incomes and asset management, custody<span class=\"_ _d\"></span>, package services on bundled products and other managemen<span class=\"_ _0\"></span>t and advisor<span class=\"_ _2\"></span>y f<span class=\"_ _0\"></span>ees. Loan commitment f<span class=\"_ _0\"></span>ees for<span class=\"_ _0\"></span> loans that are lik<span class=\"_ _0\"></span>ely to be dr<span class=\"_ _0\"></span>awn-down and other cr<span class=\"_ _0\"></span>edit-related f<span class=\"_ _0\"></span>ees are def<span class=\"_ _0\"></span>erred (together<span class=\"_ _0\"></span> with any incremental c<span class=\"_ _0\"></span>osts), and recognised as an adjustmen<span class=\"_ _0\"></span>t to the EIR on the loan.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-770": {
   "value": "Customer lo<span class=\"_ _0\"></span>yalty<span class=\"_ _0\"></span> progr<span class=\"_ _0\"></span>amme Customer lo<span class=\"_ _0\"></span>yalty progr<span class=\"_ _0\"></span>amme points accumulated in the business ar<span class=\"_ _0\"></span>e treated as def<span class=\"_ _0\"></span>erred r<span class=\"_ _0\"></span>evenue and rec<span class=\"_ _0\"></span>ognised in revenues gradually<span class=\"_ _0\"></span> as they<span class=\"_ _0\"></span> are earned. <span class=\"_ _0\"></span>The Group rec<span class=\"_ _0\"></span>ognises gross re<span class=\"_ _0\"></span>venue earned fr<span class=\"_ _0\"></span>om customer loyalty<span class=\"_ _0\"></span> programmes <span class=\"_ _0\"></span>when the performance obligation is satisfied, i.e. when <span class=\"_ _0\"></span>the customer redeems the poin<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCustomerLoyaltyProgrammesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-771": {
   "value": "Functional, r<span class=\"_ _0\"></span>eporting currencies and for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> translation<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts are presen<span class=\"_ _0\"></span>ted in Georgian Lari, which is the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s presentation currency<span class=\"_ _d\"></span>. BOGG\u2019<span class=\"_ _d\"></span>s and the Bank\u2019<span class=\"_ _0\"></span>s functional currency<span class=\"_ _0\"></span> is Georgian Lari. Each entity<span class=\"_ _0\"></span> in the Group det<span class=\"_ _0\"></span>ermines its own functional currency<span class=\"_ _0\"></span> and items included in the financial statements of<span class=\"_ _0\"></span> each entity are measur<span class=\"_ _0\"></span>ed using that functional curr<span class=\"_ _0\"></span>ency<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>ransactions in for<span class=\"_ _0\"></span>eign currencies ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>orded in the f<span class=\"_ _0\"></span>unctional currency<span class=\"_ _d\"></span>, converted at the rate of<span class=\"_ _0\"></span> exchange ruling at <span class=\"_ _0\"></span>the date of the <span class=\"_ _0\"></span>transaction. Monetary assets and liabilities denominated in f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies are retr<span class=\"_ _0\"></span>anslated into functional curr<span class=\"_ _0\"></span>ency at the functional curr<span class=\"_ _0\"></span>ency rat<span class=\"_ _0\"></span>e of exchange r<span class=\"_ _0\"></span>uling at the reporting date.<span class=\"_ _3e0\"> </span>Gains and losses resulting f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>translation of f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency tr<span class=\"_ _0\"></span>ansactions are recognised in the c<span class=\"_ _0\"></span>onsolidated income statement as gains less losses f<span class=\"_ _0\"></span>rom f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies \u2013 translation diff<span class=\"_ _0\"></span>erences. Non-mone<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>y items that ar<span class=\"_ _0\"></span>e measured in terms o<span class=\"_ _0\"></span>f historical cost in a f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency ar<span class=\"_ _0\"></span>e translated using the e<span class=\"_ _0\"></span>xchange rat<span class=\"_ _0\"></span>es as at the dates of the initial tr<span class=\"_ _0\"></span>ansactions. Non-monetary items measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue in a for<span class=\"_ _0\"></span>eign currency ar<span class=\"_ _0\"></span>e translated using <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ates at the date when the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue was determined. When a gain or lo<span class=\"_ _0\"></span>ss on a non-monetar<span class=\"_ _2\"></span>y item is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income, an<span class=\"_ _0\"></span>y ex<span class=\"_ _0\"></span>change component of that gain or loss is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income. Conv<span class=\"_ _0\"></span>ersely<span class=\"_ _d\"></span>, when a gain or loss on a non-monetary item is rec<span class=\"_ _0\"></span>ognised in profit or<span class=\"_ _0\"></span> loss, any e<span class=\"_ _0\"></span>xchange component o<span class=\"_ _0\"></span>f that gain or loss is rec<span class=\"_ _0\"></span>ognised in the income statement.<span class=\"_ _3e0\"> </span>Diff<span class=\"_ _0\"></span>erences between <span class=\"_ _0\"></span>the contractual ex<span class=\"_ _0\"></span>change rate of<span class=\"_ _0\"></span> a certain transaction and the NBG e<span class=\"_ _0\"></span>xchange rate on <span class=\"_ _0\"></span>the date of the transaction ar<span class=\"_ _0\"></span>e included in gains less losses from <span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>eign currencies (<span class=\"_ _0\"></span>dealing). The of<span class=\"_ _0\"></span>ficial NBG exchange r<span class=\"_ _0\"></span>ates at 31 December 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021 were:<span class=\"_ _3e0\"> </span><table class=\"s w37c h10a\" id=\"_f1bbc988-8d05-412e-bd39-0b73d078fdc6\"><tr><td></td><td class=\"c n x5e3 y4bf0 w37d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to GBP<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e4 y4bf0 w37e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e5 y4bf0 w37f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e6 y4bf0 w380 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to BYN<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e7 y4bf1 w382 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.4228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e8 y4bf1 w383 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.6894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e9 y4bf1 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9753<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4bf1 w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.8162<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4ac9 w387 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.2581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4ac9 w388 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>.702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ed y4ac9 w389 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.8844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ee y4ac9 w38a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.073<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w38b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ef y4aa3 w38c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>1737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f0 y4aa3 w38d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.097<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f1 y4aa3 w38e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f2 y4aa3 w38f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.2101<span class=\"_ _3e0\"> </span></div></td></tr></table>As at the reporting date, <span class=\"_ _0\"></span>the assets and liabilities of the entities <span class=\"_ _0\"></span>whose functional currency<span class=\"_ _0\"></span> is differ<span class=\"_ _0\"></span>ent fr<span class=\"_ _0\"></span>om the presentation currency<span class=\"_ _0\"></span> of the Group ar<span class=\"_ _0\"></span>e translated in<span class=\"_ _0\"></span>to Georgian Lari at the r<span class=\"_ _0\"></span>ate of ex<span class=\"_ _0\"></span>change ruling at the reporting date and their<span class=\"_ _0\"></span> income statements ar<span class=\"_ _0\"></span>e translated at the av<span class=\"_ _0\"></span>erage ex<span class=\"_ _0\"></span>change rates f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>. The ex<span class=\"_ _0\"></span>change diff<span class=\"_ _0\"></span>erences arising on the tr<span class=\"_ _0\"></span>anslation are t<span class=\"_ _0\"></span>aken to other compr<span class=\"_ _0\"></span>ehensive income.<span class=\"_ _3e0\"> </span>Any<span class=\"_ _0\"></span> goodwill arising on the acquisition of a f<span class=\"_ _0\"></span>oreign oper<span class=\"_ _0\"></span>ation and any <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue adjustments to the carrying amounts of assets and liabilities arising on the acquisition ar<span class=\"_ _0\"></span>e treated as assets and liabilities o<span class=\"_ _0\"></span>f the for<span class=\"_ _0\"></span>eign operations, and tr<span class=\"_ _0\"></span>anslated at the rate at <span class=\"_ _0\"></span>the reporting date.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-718": {
   "value": "Functional, r<span class=\"_ _0\"></span>eporting currencies and for<span class=\"_ _0\"></span>eign currency<span class=\"_ _0\"></span> translation<span class=\"_ _3e0\"> </span>The consolidated financial statemen<span class=\"_ _0\"></span>ts are presen<span class=\"_ _0\"></span>ted in Georgian Lari, which is the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s presentation currency<span class=\"_ _d\"></span>. BOGG\u2019<span class=\"_ _d\"></span>s and the Bank\u2019<span class=\"_ _0\"></span>s functional currency<span class=\"_ _0\"></span> is Georgian Lari. Each entity<span class=\"_ _0\"></span> in the Group det<span class=\"_ _0\"></span>ermines its own functional currency<span class=\"_ _0\"></span> and items included in the financial statements of<span class=\"_ _0\"></span> each entity are measur<span class=\"_ _0\"></span>ed using that functional curr<span class=\"_ _0\"></span>ency<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>ransactions in for<span class=\"_ _0\"></span>eign currencies ar<span class=\"_ _0\"></span>e initially rec<span class=\"_ _0\"></span>orded in the f<span class=\"_ _0\"></span>unctional currency<span class=\"_ _d\"></span>, converted at the rate of<span class=\"_ _0\"></span> exchange ruling at <span class=\"_ _0\"></span>the date of the <span class=\"_ _0\"></span>transaction. Monetary assets and liabilities denominated in f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies are retr<span class=\"_ _0\"></span>anslated into functional curr<span class=\"_ _0\"></span>ency at the functional curr<span class=\"_ _0\"></span>ency rat<span class=\"_ _0\"></span>e of exchange r<span class=\"_ _0\"></span>uling at the reporting date.<span class=\"_ _3e0\"> </span>Gains and losses resulting f<span class=\"_ _0\"></span>rom the <span class=\"_ _0\"></span>translation of f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency tr<span class=\"_ _0\"></span>ansactions are recognised in the c<span class=\"_ _0\"></span>onsolidated income statement as gains less losses f<span class=\"_ _0\"></span>rom f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>encies \u2013 translation diff<span class=\"_ _0\"></span>erences. Non-mone<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>y items that ar<span class=\"_ _0\"></span>e measured in terms o<span class=\"_ _0\"></span>f historical cost in a f<span class=\"_ _0\"></span>oreign curr<span class=\"_ _0\"></span>ency ar<span class=\"_ _0\"></span>e translated using the e<span class=\"_ _0\"></span>xchange rat<span class=\"_ _0\"></span>es as at the dates of the initial tr<span class=\"_ _0\"></span>ansactions. Non-monetary items measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue in a for<span class=\"_ _0\"></span>eign currency ar<span class=\"_ _0\"></span>e translated using <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ates at the date when the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue was determined. When a gain or lo<span class=\"_ _0\"></span>ss on a non-monetar<span class=\"_ _2\"></span>y item is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income, an<span class=\"_ _0\"></span>y ex<span class=\"_ _0\"></span>change component of that gain or loss is r<span class=\"_ _0\"></span>ecognised in other compr<span class=\"_ _0\"></span>ehensive income. Conv<span class=\"_ _0\"></span>ersely<span class=\"_ _d\"></span>, when a gain or loss on a non-monetary item is rec<span class=\"_ _0\"></span>ognised in profit or<span class=\"_ _0\"></span> loss, any e<span class=\"_ _0\"></span>xchange component o<span class=\"_ _0\"></span>f that gain or loss is rec<span class=\"_ _0\"></span>ognised in the income statement.<span class=\"_ _3e0\"> </span>Diff<span class=\"_ _0\"></span>erences between <span class=\"_ _0\"></span>the contractual ex<span class=\"_ _0\"></span>change rate of<span class=\"_ _0\"></span> a certain transaction and the NBG e<span class=\"_ _0\"></span>xchange rate on <span class=\"_ _0\"></span>the date of the transaction ar<span class=\"_ _0\"></span>e included in gains less losses from <span class=\"_ _0\"></span>for<span class=\"_ _0\"></span>eign currencies (<span class=\"_ _0\"></span>dealing). The of<span class=\"_ _0\"></span>ficial NBG exchange r<span class=\"_ _0\"></span>ates at 31 December 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021 were:<span class=\"_ _3e0\"> </span><table class=\"s w37c h10a\" id=\"_f1bbc988-8d05-412e-bd39-0b73d078fdc6\"><tr><td></td><td class=\"c n x5e3 y4bf0 w37d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to GBP<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e4 y4bf0 w37e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e5 y4bf0 w37f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e6 y4bf0 w380 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Lari to BYN<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e7 y4bf1 w382 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.4228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e8 y4bf1 w383 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.6894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5e9 y4bf1 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9753<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4bf1 w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.8162<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4ac9 w387 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.2581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4ac9 w388 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>.702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ed y4ac9 w389 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.8844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ee y4ac9 w38a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.073<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w38b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ef y4aa3 w38c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>1737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f0 y4aa3 w38d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.097<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f1 y4aa3 w38e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f2 y4aa3 w38f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.2101<span class=\"_ _3e0\"> </span></div></td></tr></table>As at the reporting date, <span class=\"_ _0\"></span>the assets and liabilities of the entities <span class=\"_ _0\"></span>whose functional currency<span class=\"_ _0\"></span> is differ<span class=\"_ _0\"></span>ent fr<span class=\"_ _0\"></span>om the presentation currency<span class=\"_ _0\"></span> of the Group ar<span class=\"_ _0\"></span>e translated in<span class=\"_ _0\"></span>to Georgian Lari at the r<span class=\"_ _0\"></span>ate of ex<span class=\"_ _0\"></span>change ruling at the reporting date and their<span class=\"_ _0\"></span> income statements ar<span class=\"_ _0\"></span>e translated at the av<span class=\"_ _0\"></span>erage ex<span class=\"_ _0\"></span>change rates f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>. The ex<span class=\"_ _0\"></span>change diff<span class=\"_ _0\"></span>erences arising on the tr<span class=\"_ _0\"></span>anslation are t<span class=\"_ _0\"></span>aken to other compr<span class=\"_ _0\"></span>ehensive income.<span class=\"_ _3e0\"> </span>Any<span class=\"_ _0\"></span> goodwill arising on the acquisition of a f<span class=\"_ _0\"></span>oreign oper<span class=\"_ _0\"></span>ation and any <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue adjustments to the carrying amounts of assets and liabilities arising on the acquisition ar<span class=\"_ _0\"></span>e treated as assets and liabilities o<span class=\"_ _0\"></span>f the for<span class=\"_ _0\"></span>eign operations, and tr<span class=\"_ _0\"></span>anslated at the rate at <span class=\"_ _0\"></span>the reporting date.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-772": {
   "value": "Adoption of<span class=\"_ _0\"></span> new or r<span class=\"_ _0\"></span>evised standar<span class=\"_ _0\"></span>ds and interpret<span class=\"_ _0\"></span>ations Amendments eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023<span class=\"_ _3e0\"> </span>IFRS 17 Insuranc<span class=\"_ _0\"></span>e ContractsIn May 2017<span class=\"_ _5\"></span>, the IASB issued IFRS 17 Insurance C<span class=\"_ _0\"></span>ontracts, which sets out the acc<span class=\"_ _0\"></span>ounting requir<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> contractual rights and obligations that arise f<span class=\"_ _0\"></span>rom insurance c<span class=\"_ _0\"></span>ontracts issued and reinsur<span class=\"_ _0\"></span>ance contr<span class=\"_ _0\"></span>acts held. The Group e<span class=\"_ _0\"></span>valuated whether its con<span class=\"_ _0\"></span>tracts contain insur<span class=\"_ _0\"></span>ance risk, focusing on performanc<span class=\"_ _0\"></span>e guarantees and concluded <span class=\"_ _0\"></span>that there ar<span class=\"_ _0\"></span>e no material contracts in scope of<span class=\"_ _0\"></span> IFRS 17 considering practical e<span class=\"_ _0\"></span>xpedients available. <span class=\"_ _0\"></span>The amendment had no material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>Deferr<span class=\"_ _0\"></span>ed T<span class=\"_ _5\"></span>ax related to Ass<span class=\"_ _0\"></span>ets and Liabilities arising from a Single <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>ransaction \u2013 <span class=\"_ _0\"></span>Amendments to IAS 12 In May 2021 <span class=\"_ _0\"></span>the Board issued Amendments to IAS 12, \u2018Def<span class=\"_ _0\"></span>erred T<span class=\"_ _5\"></span>ax related to <span class=\"_ _0\"></span>Assets and Liabilities arising fr<span class=\"_ _0\"></span>om a Single T<span class=\"_ _d\"></span>ransaction\u2019, that clarify ho<span class=\"_ _0\"></span>w companies account <span class=\"_ _0\"></span>for def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> on transactions such as leases and decommissioning obligations. The amendments narro<span class=\"_ _0\"></span>wed the scope of the r<span class=\"_ _0\"></span>ecognition ex<span class=\"_ _0\"></span>emption in paragr<span class=\"_ _0\"></span>aphs 15 and 24 of IAS 12 so that it no longer applies t<span class=\"_ _0\"></span>o transactions that, on initial recognition, giv<span class=\"_ _0\"></span>e rise to equal taxable and deductible <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences. <span class=\"_ _0\"></span>The amendment had no material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statemen<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>Disclosure of<span class=\"_ _0\"></span> Accounting P<span class=\"_ _0\"></span>olicies \u2013 Amendments to IA<span class=\"_ _0\"></span>S 1 and IFRS Practice Statement<span class=\"_ _3e0\"> </span>2. In February 2021, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 1 and IFRS Practice St<span class=\"_ _0\"></span>atement 2 Making Materiality <span class=\"_ _0\"></span>Judgements, in which it pro<span class=\"_ _0\"></span>vides guidance and ex<span class=\"_ _0\"></span>amples to help entities apply<span class=\"_ _0\"></span> materiality judgements to acc<span class=\"_ _0\"></span>ounting policy disclosur<span class=\"_ _0\"></span>es. The amendments aim to help entitie<span class=\"_ _0\"></span>s provide accoun<span class=\"_ _0\"></span>ting policy disclosur<span class=\"_ _0\"></span>es that are mor<span class=\"_ _0\"></span>e useful by<span class=\"_ _0\"></span> replacing the r<span class=\"_ _0\"></span>equirement f<span class=\"_ _0\"></span>or entities to disclo<span class=\"_ _0\"></span>se their \u2018signific<span class=\"_ _0\"></span>ant\u2019 accounting policies with a requir<span class=\"_ _0\"></span>ement to disclose their \u2018<span class=\"_ _0\"></span>material\u2019 accoun<span class=\"_ _0\"></span>ting policies and adding guidance on how entities apply<span class=\"_ _0\"></span> the concept of materiality<span class=\"_ _0\"></span> in making decisions about accounting policy<span class=\"_ _0\"></span> disclosures.<span class=\"_ _3e0\"> </span>The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>Definition of A<span class=\"_ _0\"></span>ccounting Estimates \u2013 Amendmen<span class=\"_ _0\"></span>ts to IAS 8. In February 2021, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 8, in which it introduc<span class=\"_ _0\"></span>es a definition of \u2018<span class=\"_ _0\"></span>accounting estimates<span class=\"_ _0\"></span>\u2019<span class=\"_ _5\"></span>. The amendments clarify <span class=\"_ _0\"></span>the distinction between changes in accounting estimates and changes in accounting policies and <span class=\"_ _0\"></span>the correction of err<span class=\"_ _0\"></span>ors. Also, the<span class=\"_ _0\"></span>y clarify<span class=\"_ _0\"></span> how entities use measuremen<span class=\"_ _0\"></span>t techniques and inputs to develop ac<span class=\"_ _0\"></span>counting estimates. The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>International <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>ax Reform \u2013 Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo Model Rules<span class=\"_ _3e0\"> </span>\u2013 Amendments <span class=\"_ _0\"></span>to IAS 12. The amendments <span class=\"_ _0\"></span>to IAS 12 have been intr<span class=\"_ _0\"></span>oduced in response t<span class=\"_ _0\"></span>o the OECD\u2019<span class=\"_ _0\"></span>s BEPS Pillar T<span class=\"_ _d\"></span>wo rules and include: \u2022 <span class=\"_ _59\"> </span>A mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception to <span class=\"_ _0\"></span>the recognition and disclosur<span class=\"_ _0\"></span>e of deferr<span class=\"_ _0\"></span>ed taxes arising <span class=\"_ _0\"></span>from the jurisdictional implementation of the Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo model rules; and \u2022 <span class=\"_ _59\"> </span>Disclosure requir<span class=\"_ _0\"></span>ements f<span class=\"_ _0\"></span>or aff<span class=\"_ _0\"></span>ected entities to help users of the <span class=\"_ _0\"></span>financial statements better under<span class=\"_ _0\"></span>stand an entity\u2019s e<span class=\"_ _0\"></span>xposure to Pillar <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>wo income tax<span class=\"_ _0\"></span>es arising fr<span class=\"_ _0\"></span>om that legislation, particularly bef<span class=\"_ _0\"></span>ore its eff<span class=\"_ _0\"></span>ective date. The mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception \u2013 the use of<span class=\"_ _0\"></span> which is requir<span class=\"_ _0\"></span>ed to be disclosed \u2013 applies immediately<span class=\"_ _d\"></span>. The remaining disclosur<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ements apply f<span class=\"_ _0\"></span>or annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023, but not <span class=\"_ _0\"></span>for an<span class=\"_ _0\"></span>y interim periods ending on or befor<span class=\"_ _0\"></span>e 31 December 2023. <span class=\"_ _0\"></span>The amendments had no impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfInitialApplicationOfStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-803": {
   "value": "Adoption of<span class=\"_ _0\"></span> new or r<span class=\"_ _0\"></span>evised standar<span class=\"_ _0\"></span>ds and interpret<span class=\"_ _0\"></span>ations Amendments eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023<span class=\"_ _3e0\"> </span>IFRS 17 Insuranc<span class=\"_ _0\"></span>e ContractsIn May 2017<span class=\"_ _5\"></span>, the IASB issued IFRS 17 Insurance C<span class=\"_ _0\"></span>ontracts, which sets out the acc<span class=\"_ _0\"></span>ounting requir<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> contractual rights and obligations that arise f<span class=\"_ _0\"></span>rom insurance c<span class=\"_ _0\"></span>ontracts issued and reinsur<span class=\"_ _0\"></span>ance contr<span class=\"_ _0\"></span>acts held. The Group e<span class=\"_ _0\"></span>valuated whether its con<span class=\"_ _0\"></span>tracts contain insur<span class=\"_ _0\"></span>ance risk, focusing on performanc<span class=\"_ _0\"></span>e guarantees and concluded <span class=\"_ _0\"></span>that there ar<span class=\"_ _0\"></span>e no material contracts in scope of<span class=\"_ _0\"></span> IFRS 17 considering practical e<span class=\"_ _0\"></span>xpedients available. <span class=\"_ _0\"></span>The amendment had no material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>Deferr<span class=\"_ _0\"></span>ed T<span class=\"_ _5\"></span>ax related to Ass<span class=\"_ _0\"></span>ets and Liabilities arising from a Single <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>ransaction \u2013 <span class=\"_ _0\"></span>Amendments to IAS 12 In May 2021 <span class=\"_ _0\"></span>the Board issued Amendments to IAS 12, \u2018Def<span class=\"_ _0\"></span>erred T<span class=\"_ _5\"></span>ax related to <span class=\"_ _0\"></span>Assets and Liabilities arising fr<span class=\"_ _0\"></span>om a Single T<span class=\"_ _d\"></span>ransaction\u2019, that clarify ho<span class=\"_ _0\"></span>w companies account <span class=\"_ _0\"></span>for def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> on transactions such as leases and decommissioning obligations. The amendments narro<span class=\"_ _0\"></span>wed the scope of the r<span class=\"_ _0\"></span>ecognition ex<span class=\"_ _0\"></span>emption in paragr<span class=\"_ _0\"></span>aphs 15 and 24 of IAS 12 so that it no longer applies t<span class=\"_ _0\"></span>o transactions that, on initial recognition, giv<span class=\"_ _0\"></span>e rise to equal taxable and deductible <span class=\"_ _0\"></span>temporary diff<span class=\"_ _0\"></span>erences. <span class=\"_ _0\"></span>The amendment had no material impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statemen<span class=\"_ _0\"></span>ts.<span class=\"_ _3e0\"> </span>Disclosure of<span class=\"_ _0\"></span> Accounting P<span class=\"_ _0\"></span>olicies \u2013 Amendments to IA<span class=\"_ _0\"></span>S 1 and IFRS Practice Statement<span class=\"_ _3e0\"> </span>2. In February 2021, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 1 and IFRS Practice St<span class=\"_ _0\"></span>atement 2 Making Materiality <span class=\"_ _0\"></span>Judgements, in which it pro<span class=\"_ _0\"></span>vides guidance and ex<span class=\"_ _0\"></span>amples to help entities apply<span class=\"_ _0\"></span> materiality judgements to acc<span class=\"_ _0\"></span>ounting policy disclosur<span class=\"_ _0\"></span>es. The amendments aim to help entitie<span class=\"_ _0\"></span>s provide accoun<span class=\"_ _0\"></span>ting policy disclosur<span class=\"_ _0\"></span>es that are mor<span class=\"_ _0\"></span>e useful by<span class=\"_ _0\"></span> replacing the r<span class=\"_ _0\"></span>equirement f<span class=\"_ _0\"></span>or entities to disclo<span class=\"_ _0\"></span>se their \u2018signific<span class=\"_ _0\"></span>ant\u2019 accounting policies with a requir<span class=\"_ _0\"></span>ement to disclose their \u2018<span class=\"_ _0\"></span>material\u2019 accoun<span class=\"_ _0\"></span>ting policies and adding guidance on how entities apply<span class=\"_ _0\"></span> the concept of materiality<span class=\"_ _0\"></span> in making decisions about accounting policy<span class=\"_ _0\"></span> disclosures.<span class=\"_ _3e0\"> </span>The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>Definition of A<span class=\"_ _0\"></span>ccounting Estimates \u2013 Amendmen<span class=\"_ _0\"></span>ts to IAS 8. In February 2021, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 8, in which it introduc<span class=\"_ _0\"></span>es a definition of \u2018<span class=\"_ _0\"></span>accounting estimates<span class=\"_ _0\"></span>\u2019<span class=\"_ _5\"></span>. The amendments clarify <span class=\"_ _0\"></span>the distinction between changes in accounting estimates and changes in accounting policies and <span class=\"_ _0\"></span>the correction of err<span class=\"_ _0\"></span>ors. Also, the<span class=\"_ _0\"></span>y clarify<span class=\"_ _0\"></span> how entities use measuremen<span class=\"_ _0\"></span>t techniques and inputs to develop ac<span class=\"_ _0\"></span>counting estimates. The amendment had no material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>International <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>ax Reform \u2013 Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo Model Rules<span class=\"_ _3e0\"> </span>\u2013 Amendments <span class=\"_ _0\"></span>to IAS 12. The amendments <span class=\"_ _0\"></span>to IAS 12 have been intr<span class=\"_ _0\"></span>oduced in response t<span class=\"_ _0\"></span>o the OECD\u2019<span class=\"_ _0\"></span>s BEPS Pillar T<span class=\"_ _d\"></span>wo rules and include: \u2022 <span class=\"_ _59\"> </span>A mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception to <span class=\"_ _0\"></span>the recognition and disclosur<span class=\"_ _0\"></span>e of deferr<span class=\"_ _0\"></span>ed taxes arising <span class=\"_ _0\"></span>from the jurisdictional implementation of the Pillar<span class=\"_ _0\"></span> T<span class=\"_ _d\"></span>wo model rules; and \u2022 <span class=\"_ _59\"> </span>Disclosure requir<span class=\"_ _0\"></span>ements f<span class=\"_ _0\"></span>or aff<span class=\"_ _0\"></span>ected entities to help users of the <span class=\"_ _0\"></span>financial statements better under<span class=\"_ _0\"></span>stand an entity\u2019s e<span class=\"_ _0\"></span>xposure to Pillar <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>wo income tax<span class=\"_ _0\"></span>es arising fr<span class=\"_ _0\"></span>om that legislation, particularly bef<span class=\"_ _0\"></span>ore its eff<span class=\"_ _0\"></span>ective date. The mandatory tempor<span class=\"_ _0\"></span>ar<span class=\"_ _2\"></span>y e<span class=\"_ _0\"></span>xception \u2013 the use of<span class=\"_ _0\"></span> which is requir<span class=\"_ _0\"></span>ed to be disclosed \u2013 applies immediately<span class=\"_ _d\"></span>. The remaining disclosur<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ements apply f<span class=\"_ _0\"></span>or annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023, but not <span class=\"_ _0\"></span>for an<span class=\"_ _0\"></span>y interim periods ending on or befor<span class=\"_ _0\"></span>e 31 December 2023. <span class=\"_ _0\"></span>The amendments had no impact on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements.<span class=\"_ _3e0\"> </span>Standar<span class=\"_ _0\"></span>ds issued but not y<span class=\"_ _0\"></span>et eff<span class=\"_ _0\"></span>ective<span class=\"_ _3e0\"> </span>The new and amended standar<span class=\"_ _0\"></span>ds and interpretations <span class=\"_ _0\"></span>that are issued, but not <span class=\"_ _0\"></span>yet eff<span class=\"_ _0\"></span>ective, up to the date of<span class=\"_ _0\"></span> issuance of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements ar<span class=\"_ _0\"></span>e disclosed below<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup intends to adopt these ne<span class=\"_ _0\"></span>w and amended standards and interpre<span class=\"_ _0\"></span>tations, if applicable, when the<span class=\"_ _0\"></span>y become e<span class=\"_ _0\"></span>ffective.<span class=\"_ _3e0\"> </span>IAS 1 Pre<span class=\"_ _0\"></span>sentation of Financial St<span class=\"_ _0\"></span>atements<span class=\"_ _3e0\"> </span>In January 20<span class=\"_ _0\"></span>20 and July<span class=\"_ _0\"></span> 2020, the IASB issued amendments <span class=\"_ _0\"></span>to IAS 1 \u2018Presentation o<span class=\"_ _0\"></span>f Financial Statements: Classification of<span class=\"_ _0\"></span> Liabilities as Current or<span class=\"_ _0\"></span> Non-Current\u2019<span class=\"_ _38\"></span>. They<span class=\"_ _0\"></span> clarify that the classific<span class=\"_ _0\"></span>ation of liabilities as current or<span class=\"_ _0\"></span> non-current should be based on rights that ar<span class=\"_ _0\"></span>e in existence at the end of<span class=\"_ _0\"></span> the reporting period. The amendmen<span class=\"_ _0\"></span>ts also clarify that classification is unaf<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> expectations about whether<span class=\"_ _0\"></span> an entity will e<span class=\"_ _0\"></span>xercise its righ<span class=\"_ _0\"></span>t to defer<span class=\"_ _0\"></span> settlement of a liability and mak<span class=\"_ _0\"></span>e clear that set<span class=\"_ _0\"></span>tlement ref<span class=\"_ _0\"></span>ers to the transf<span class=\"_ _0\"></span>er to <span class=\"_ _0\"></span>the counterparty of cash, equity<span class=\"_ _0\"></span> instruments, other assets or<span class=\"_ _0\"></span> ser<span class=\"_ _2\"></span>vices. The amendmen<span class=\"_ _0\"></span>ts will be eff<span class=\"_ _0\"></span>ective for annual periods beginning on or after<span class=\"_ _0\"></span> 1 January 2024 with early<span class=\"_ _0\"></span> adoption permitted. The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span>Amendments to IFRS 16: Lease Liability<span class=\"_ _0\"></span> in a Sale and Leaseback In September 2022, the IASB issued amendments <span class=\"_ _0\"></span>to IFRS 16 to specify <span class=\"_ _0\"></span>the requirements <span class=\"_ _0\"></span>that a seller-lessee uses in measuring the lease liability arising in a sale and leaseback tr<span class=\"_ _0\"></span>ansaction, to ensure <span class=\"_ _0\"></span>the seller-lessee does not recognise an<span class=\"_ _0\"></span>y amount of<span class=\"_ _0\"></span> the gain or loss that relates <span class=\"_ _0\"></span>to the right of use it r<span class=\"_ _0\"></span>etains. The amendments ar<span class=\"_ _0\"></span>e effectiv<span class=\"_ _0\"></span>e for annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>January 2024 and must be applied retr<span class=\"_ _0\"></span>ospectively <span class=\"_ _0\"></span>to sale and leaseback transactions enter<span class=\"_ _0\"></span>ed into after<span class=\"_ _0\"></span> the date of initial application of  IFRS 16. Earlier application is permit<span class=\"_ _0\"></span>ted and that fact must be disclosed. The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span>Supplier Finance <span class=\"_ _0\"></span>Arrangements \u2013 <span class=\"_ _0\"></span>Amendments to IAS 7 and IFRS 7 In May 2023, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 7 Statement o<span class=\"_ _0\"></span>f Cash Flows and IFRS 7 Financial Instruments: Disclosur<span class=\"_ _0\"></span>es to clarify the char<span class=\"_ _0\"></span>acteristics of supplier financ<span class=\"_ _0\"></span>e arrangements and requir<span class=\"_ _0\"></span>e additional disclosure of<span class=\"_ _0\"></span> such arrangements. The disclo<span class=\"_ _0\"></span>sure requir<span class=\"_ _0\"></span>ements in the amendments ar<span class=\"_ _0\"></span>e intended to assist users of <span class=\"_ _0\"></span>financial statements in understanding the ef<span class=\"_ _0\"></span>fects of supplier finance arrangemen<span class=\"_ _0\"></span>ts on an entity<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s liabilities, cash flows and e<span class=\"_ _0\"></span>xposure to liquidity<span class=\"_ _0\"></span> risk. The amendments will be ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or annual reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 January 20<span class=\"_ _0\"></span>24<span class=\"_ _2\"></span>. Early adoption is permit<span class=\"_ _0\"></span>ted, but will need to be disclosed. The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>Lack of Ex<span class=\"_ _0\"></span>changeability \u2013 <span class=\"_ _0\"></span>Amendments to IAS 21<span class=\"_ _3e0\"> </span>IASB has published \u2018Lack of Ex<span class=\"_ _0\"></span>changeability<span class=\"_ _2\"></span>\u2019 (Amendments to IAS 21) that c<span class=\"_ _0\"></span>ontains guidance to specify<span class=\"_ _0\"></span> when a currency<span class=\"_ _0\"></span> is ex<span class=\"_ _0\"></span>changeable and how to determine <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ate when it is not. The amendments ar<span class=\"_ _0\"></span>e applicable for<span class=\"_ _0\"></span> annual reporting periods beginning on or after<span class=\"_ _0\"></span> 1 January 2025. Earlier<span class=\"_ _0\"></span> application is permitted.<span class=\"_ _3e0\"> </span>The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>Non-current Liabilities <span class=\"_ _0\"></span>with Covenan<span class=\"_ _0\"></span>ts \u2013 Amendments to IAS 1<span class=\"_ _3e0\"> </span>On 31 October 2022, the IASB published Non-current Liabilities <span class=\"_ _0\"></span>with Covenants (Amendments t<span class=\"_ _0\"></span>o IAS 1) to clarify<span class=\"_ _0\"></span> how conditions with which an entity mus<span class=\"_ _0\"></span>t comply within 12 months af<span class=\"_ _0\"></span>ter the r<span class=\"_ _0\"></span>eporting period affect the classification of<span class=\"_ _0\"></span> a liability<span class=\"_ _0\"></span>. The amendments are ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2024. The amendmen<span class=\"_ _0\"></span>ts are applied retr<span class=\"_ _0\"></span>ospectively in acc<span class=\"_ _0\"></span>ordance with IAS 8 and earlier application is permit<span class=\"_ _0\"></span>ted.<span class=\"_ _3e0\"> </span>The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-719": {
   "value": "Reclas<span class=\"_ _0\"></span>sifications<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>o improv<span class=\"_ _0\"></span>e the quality and understandability<span class=\"_ _0\"></span> of its consolidated statement of <span class=\"_ _0\"></span>financial position and consolidated statement of c<span class=\"_ _0\"></span>ash flows, the Gr<span class=\"_ _0\"></span>oup has revisited the pr<span class=\"_ _0\"></span>esentation of f<span class=\"_ _0\"></span>oreclosed assets, in<span class=\"_ _0\"></span>ventories and other assets. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>ed it more appropriate <span class=\"_ _0\"></span>to present f<span class=\"_ _0\"></span>oreclosed assets separ<span class=\"_ _0\"></span>ately f<span class=\"_ _0\"></span>rom other assets and pr<span class=\"_ _0\"></span>esent inven<span class=\"_ _0\"></span>tories within other assets. Compar<span class=\"_ _0\"></span>ative amounts wer<span class=\"_ _0\"></span>e reclassified in line with the updat<span class=\"_ _0\"></span>ed presentation.<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing reclassifications w<span class=\"_ _0\"></span>ere made to <span class=\"_ _0\"></span>year ended 31 December 2022 and 31 Dec<span class=\"_ _0\"></span>ember 2021 consolidated statement of financial position and consolidat<span class=\"_ _0\"></span>ed statement of cash flows <span class=\"_ _0\"></span>to conf<span class=\"_ _0\"></span>orm to the y<span class=\"_ _0\"></span>ear ended 31 December 2023 presentation<span class=\"_ gs7d\"> </span>r<span class=\"_ _0\"></span>equirements:<span class=\"_ _3e0\"> </span><table class=\"s w390 h10b\" id=\"_e0b26fb3-3d36-4d22-bfe5-254d5512690c\"><tr><td></td><td class=\"t m1 x5f3 h77 y4bf2 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4bf3 ffb fs1d fc1 sc0 ls0 ws0\">Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position f<span class=\"_ _0\"></span>or the year<span class=\"_ _0\"></span> ended 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"c n x530 y4bf0 w391 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f4 y4bf0 w392 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f5 y4bf0 w393 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws1d\">For<span class=\"_ _0\"></span>eclosed Assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4bf1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f7 y4bf1 w395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _d\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f8 y4bf1 w396 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f9 y4ac9 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fa y4ac9 w399 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,096)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fc y4aa3 w39b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">317<span class=\"_ _d\"></span>,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fd y4aa3 w39c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,828)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fe y4aa3 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,058<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w39d h10c\" id=\"_158a66c1-2772-4025-9dad-e81eb785fea7\"><tr><td></td><td class=\"t m1 x5ff h77 y4bf4 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x2c7 h77 y4bf5 ffb fs1d fc1 sc0 ls0 ws0\">Consolidated statemen<span class=\"_ _0\"></span>t of cash flows for<span class=\"_ _0\"></span> the year ended 31 December<span class=\"_ _0\"></span> 2022<span class=\"_ _3e0\"> </span></td><td class=\"c n x600 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x601 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x602 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x2c7 ha0 y4bf7 ff2 fs31 fc1 sc0 ls0 ws0\">Net (increase<span class=\"_ _d\"></span>) decrease in operating assets </td><td></td><td></td><td></td></tr><tr><td class=\"c n x2c3 y4bf8 w39e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments and o<span class=\"_ _0\"></span>ther assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x603 y4bf8 w39f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,612)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x604 y4bf8 w3a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>700<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x605 y4bf8 w3a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>12)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x2c3 y4aa3 w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x606 y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x607 y4aa3 w3a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,7<span class=\"_ _0\"></span>00)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x608 y4aa3 w230 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _0\"></span>700<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w390 h10c\" id=\"_e59c136b-1890-4ebe-9ebf-33916826c89d\"><tr><td></td><td class=\"t m1 x5f3 h77 y4bf9 ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4bfa ffb fs1d fc1 sc0 ls0 ws0\">Consolidated Stat<span class=\"_ _0\"></span>ement of Financial Position f<span class=\"_ _0\"></span>or the year<span class=\"_ _0\"></span> ended 31 December 2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x530 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f4 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f5 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws1d\">For<span class=\"_ _0\"></span>eclosed Assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x609 y4bef w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4bef w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w3a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventory<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60b y4ac9 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60c y4ac9 w3a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5fc y4aa3 w3a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">246,<span class=\"_ _d\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60e y4aa3 w3a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60f y4aa3 w3a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w3aa h10c\" id=\"_35880b61-1b5e-4303-be59-35bcecfa822b\"><tr><td></td><td class=\"t m1 x5ff h77 y4bfb ffb fs1d fc1 sc0 ls0 ws0\">As previously<span class=\"_ _0\"></span> </td><td></td><td></td></tr><tr><td class=\"t m1 x2c7 h77 y4bfc ffb fs1d fc1 sc0 ls0 ws0\">Consolidated statemen<span class=\"_ _0\"></span>t of cash flows for<span class=\"_ _0\"></span> the year ended 31 December<span class=\"_ _0\"></span> 2021<span class=\"_ _3e0\"> </span></td><td class=\"c n x600 y4bf6 w391 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">reported<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x601 y4bf6 w392 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Reclassification<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x602 y4bf6 w393 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">As reclassified<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x2c7 ha0 y4bfd ff2 fs31 fc1 sc0 ls0 ws0\">Net (increase<span class=\"_ _d\"></span>) decrease in operating assets </td><td></td><td></td><td></td></tr><tr><td class=\"c n x2c3 y4ac9 w39e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments and o<span class=\"_ _0\"></span>ther assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x610 y4ac9 w3ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x611 y4ac9 w3ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x612 y4ac9 w3ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>417)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x2c3 y4aa3 w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x606 y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x613 y4aa3 w3ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>907)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x614 y4aa3 w231 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>907)<span class=\"_ _3e0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-720": {
   "value": "Standar<span class=\"_ _0\"></span>ds issued but not y<span class=\"_ _0\"></span>et eff<span class=\"_ _0\"></span>ective<span class=\"_ _3e0\"> </span>The new and amended standar<span class=\"_ _0\"></span>ds and interpretations <span class=\"_ _0\"></span>that are issued, but not <span class=\"_ _0\"></span>yet eff<span class=\"_ _0\"></span>ective, up to the date of<span class=\"_ _0\"></span> issuance of the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements ar<span class=\"_ _0\"></span>e disclosed below<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup intends to adopt these ne<span class=\"_ _0\"></span>w and amended standards and interpre<span class=\"_ _0\"></span>tations, if applicable, when the<span class=\"_ _0\"></span>y become e<span class=\"_ _0\"></span>ffective.<span class=\"_ _3e0\"> </span>IAS 1 Pre<span class=\"_ _0\"></span>sentation of Financial St<span class=\"_ _0\"></span>atements<span class=\"_ _3e0\"> </span>In January 20<span class=\"_ _0\"></span>20 and July<span class=\"_ _0\"></span> 2020, the IASB issued amendments <span class=\"_ _0\"></span>to IAS 1 \u2018Presentation o<span class=\"_ _0\"></span>f Financial Statements: Classification of<span class=\"_ _0\"></span> Liabilities as Current or<span class=\"_ _0\"></span> Non-Current\u2019<span class=\"_ _38\"></span>. They<span class=\"_ _0\"></span> clarify that the classific<span class=\"_ _0\"></span>ation of liabilities as current or<span class=\"_ _0\"></span> non-current should be based on rights that ar<span class=\"_ _0\"></span>e in existence at the end of<span class=\"_ _0\"></span> the reporting period. The amendmen<span class=\"_ _0\"></span>ts also clarify that classification is unaf<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> expectations about whether<span class=\"_ _0\"></span> an entity will e<span class=\"_ _0\"></span>xercise its righ<span class=\"_ _0\"></span>t to defer<span class=\"_ _0\"></span> settlement of a liability and mak<span class=\"_ _0\"></span>e clear that set<span class=\"_ _0\"></span>tlement ref<span class=\"_ _0\"></span>ers to the transf<span class=\"_ _0\"></span>er to <span class=\"_ _0\"></span>the counterparty of cash, equity<span class=\"_ _0\"></span> instruments, other assets or<span class=\"_ _0\"></span> ser<span class=\"_ _2\"></span>vices. The amendmen<span class=\"_ _0\"></span>ts will be eff<span class=\"_ _0\"></span>ective for annual periods beginning on or after<span class=\"_ _0\"></span> 1 January 2024 with early<span class=\"_ _0\"></span> adoption permitted. The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span>Amendments to IFRS 16: Lease Liability<span class=\"_ _0\"></span> in a Sale and Leaseback In September 2022, the IASB issued amendments <span class=\"_ _0\"></span>to IFRS 16 to specify <span class=\"_ _0\"></span>the requirements <span class=\"_ _0\"></span>that a seller-lessee uses in measuring the lease liability arising in a sale and leaseback tr<span class=\"_ _0\"></span>ansaction, to ensure <span class=\"_ _0\"></span>the seller-lessee does not recognise an<span class=\"_ _0\"></span>y amount of<span class=\"_ _0\"></span> the gain or loss that relates <span class=\"_ _0\"></span>to the right of use it r<span class=\"_ _0\"></span>etains. The amendments ar<span class=\"_ _0\"></span>e effectiv<span class=\"_ _0\"></span>e for annual r<span class=\"_ _0\"></span>eporting periods beginning on or after 1 <span class=\"_ _0\"></span>January 2024 and must be applied retr<span class=\"_ _0\"></span>ospectively <span class=\"_ _0\"></span>to sale and leaseback transactions enter<span class=\"_ _0\"></span>ed into after<span class=\"_ _0\"></span> the date of initial application of  IFRS 16. Earlier application is permit<span class=\"_ _0\"></span>ted and that fact must be disclosed. The Group is assessing <span class=\"_ _0\"></span>the potential eff<span class=\"_ _0\"></span>ect of the amendment on its consolidated financial st<span class=\"_ _0\"></span>atements.<span class=\"_ _3e0\"> </span>Supplier Finance <span class=\"_ _0\"></span>Arrangements \u2013 <span class=\"_ _0\"></span>Amendments to IAS 7 and IFRS 7 In May 2023, <span class=\"_ _0\"></span>the IASB issued amendments to IAS 7 Statement o<span class=\"_ _0\"></span>f Cash Flows and IFRS 7 Financial Instruments: Disclosur<span class=\"_ _0\"></span>es to clarify the char<span class=\"_ _0\"></span>acteristics of supplier financ<span class=\"_ _0\"></span>e arrangements and requir<span class=\"_ _0\"></span>e additional disclosure of<span class=\"_ _0\"></span> such arrangements. The disclo<span class=\"_ _0\"></span>sure requir<span class=\"_ _0\"></span>ements in the amendments ar<span class=\"_ _0\"></span>e intended to assist users of <span class=\"_ _0\"></span>financial statements in understanding the ef<span class=\"_ _0\"></span>fects of supplier finance arrangemen<span class=\"_ _0\"></span>ts on an entity<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s liabilities, cash flows and e<span class=\"_ _0\"></span>xposure to liquidity<span class=\"_ _0\"></span> risk. The amendments will be ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or annual reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 January 20<span class=\"_ _0\"></span>24<span class=\"_ _2\"></span>. Early adoption is permit<span class=\"_ _0\"></span>ted, but will need to be disclosed. The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>Lack of Ex<span class=\"_ _0\"></span>changeability \u2013 <span class=\"_ _0\"></span>Amendments to IAS 21<span class=\"_ _3e0\"> </span>IASB has published \u2018Lack of Ex<span class=\"_ _0\"></span>changeability<span class=\"_ _2\"></span>\u2019 (Amendments to IAS 21) that c<span class=\"_ _0\"></span>ontains guidance to specify<span class=\"_ _0\"></span> when a currency<span class=\"_ _0\"></span> is ex<span class=\"_ _0\"></span>changeable and how to determine <span class=\"_ _0\"></span>the exchange r<span class=\"_ _0\"></span>ate when it is not. The amendments ar<span class=\"_ _0\"></span>e applicable for<span class=\"_ _0\"></span> annual reporting periods beginning on or after<span class=\"_ _0\"></span> 1 January 2025. Earlier<span class=\"_ _0\"></span> application is permitted.<span class=\"_ _3e0\"> </span>The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>Non-current Liabilities <span class=\"_ _0\"></span>with Covenan<span class=\"_ _0\"></span>ts \u2013 Amendments to IAS 1<span class=\"_ _3e0\"> </span>On 31 October 2022, the IASB published Non-current Liabilities <span class=\"_ _0\"></span>with Covenants (Amendments t<span class=\"_ _0\"></span>o IAS 1) to clarify<span class=\"_ _0\"></span> how conditions with which an entity mus<span class=\"_ _0\"></span>t comply within 12 months af<span class=\"_ _0\"></span>ter the r<span class=\"_ _0\"></span>eporting period affect the classification of<span class=\"_ _0\"></span> a liability<span class=\"_ _0\"></span>. The amendments are ef<span class=\"_ _0\"></span>fective f<span class=\"_ _0\"></span>or reporting periods beginning on or af<span class=\"_ _0\"></span>ter 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2024. The amendmen<span class=\"_ _0\"></span>ts are applied retr<span class=\"_ _0\"></span>ospectively in acc<span class=\"_ _0\"></span>ordance with IAS 8 and earlier application is permit<span class=\"_ _0\"></span>ted.<span class=\"_ _3e0\"> </span>The amendments are no<span class=\"_ _0\"></span>t expected to have a material impact on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial statements.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-721": {
   "value": "Inter<span class=\"_ _0\"></span>est Rate Benchmark<span class=\"_ _0\"></span> Ref<span class=\"_ _0\"></span>orm<span class=\"_ _3e0\"> </span>The UK\u2019<span class=\"_ _0\"></span>s Financial Conduct Authority<span class=\"_ _0\"></span> (\u2018FCA<span class=\"_ _d\"></span>\u2019) announced on 5 March 2021 <span class=\"_ _0\"></span>that publication of main Libor curr<span class=\"_ _0\"></span>ency inter<span class=\"_ _0\"></span>est rate benchmark settings including EUR LIBOR w<span class=\"_ _0\"></span>ould cease at the end of 2021, while <span class=\"_ _0\"></span>the publication of the most widely<span class=\"_ _0\"></span> used US dollar Libor settings <span class=\"_ _0\"></span>would be extended until 30 <span class=\"_ _0\"></span>June 2023. As a r<span class=\"_ _0\"></span>esult<span class=\"_ _2\"></span>, the Bank initiated the tr<span class=\"_ _0\"></span>ansition progr<span class=\"_ _0\"></span>amme for<span class=\"_ _0\"></span> those contracts that ref<span class=\"_ _0\"></span>erence Ibor<span class=\"_ _0\"></span>s to alternative rate pr<span class=\"_ _0\"></span>oducts. As at 31 December 2023, <span class=\"_ _0\"></span>the transitioning to alternativ<span class=\"_ _0\"></span>e benchmark rates f<span class=\"_ _0\"></span>or all material contr<span class=\"_ _0\"></span>acts was substantially c<span class=\"_ _0\"></span>ompleted. The below table pr<span class=\"_ _0\"></span>ovides a summary of financial c<span class=\"_ _0\"></span>ontracts disaggregated b<span class=\"_ _0\"></span>y significan<span class=\"_ _0\"></span>t interest r<span class=\"_ _0\"></span>ate benchmark at the reporting date that ar<span class=\"_ _0\"></span>e yet to <span class=\"_ _0\"></span>transition to an alternative benchmark<span class=\"_ _0\"></span> rate:<span class=\"_ _3e0\"> </span><table class=\"s w3af h10d\" id=\"_ae61a796-f12e-4d4d-9dfb-444f56140eaa\"><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4bfe ffb fs1d fc1 sc0 ls0 ws0\">Balance at </td><td class=\"t m1 x615 h77 y4bfe ffb fs1d fc1 sc0 ls0 ws0\">Balance at </td></tr><tr><td></td><td></td><td class=\"t m1 x48c h77 y4bff ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x48d h77 y4bff ffb fs1d fc1 sc0 ls0 ws0\">31 December </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">Currency<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4c00 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4c01 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b4f w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x617 y4b4f w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x618 y4b4f w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x619 y4b4f w3b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">631,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c02 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bf8 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61a y4bf8 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61b y4bf8 w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,769<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61c y4bf8 w3b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">515,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61d y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61e y4aa3 w3b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61f y4aa3 w3b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">2<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "bogg:DescriptionOfAccountingPolicyForInterestRateBenchmarkReform",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-722": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs31b\">4.  Significant accoun<span class=\"_ _0\"></span>ting judgements and estimates<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs31c\">Estimates in<span class=\"_ _0\"></span>volved in measur<span class=\"_ _0\"></span>ement of inv<span class=\"_ _0\"></span>estment properties, asse<span class=\"_ _0\"></span>ts held for sale and f<span class=\"_ _0\"></span>oreclosed as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs31d\">Fair <span class=\"_ _0\"></span>values of investmen<span class=\"_ _0\"></span>t properties, assets held f<span class=\"_ _0\"></span>or sale and for<span class=\"_ _0\"></span>eclosed assets are determined b<span class=\"_ _0\"></span>y independent, prof<span class=\"_ _0\"></span>essionally </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs31e\">qualified appraisers. F<span class=\"_ _0\"></span>air value is determined using a c<span class=\"_ _0\"></span>ombination of the internal capitalisation me<span class=\"_ _0\"></span>thod (also known as disc<span class=\"_ _0\"></span>ounted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs31f\">future c<span class=\"_ _0\"></span>ash flow method) and the sales c<span class=\"_ _0\"></span>omparison method.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs320\">The Group perf<span class=\"_ _0\"></span>orms valuation of its inv<span class=\"_ _0\"></span>estment properties, assets held f<span class=\"_ _0\"></span>or sale and for<span class=\"_ _0\"></span>eclosed assets with a sufficien<span class=\"_ _0\"></span>t regularity </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs321\">to ensure <span class=\"_ _0\"></span>that the carrying amount does not differ<span class=\"_ _0\"></span> materially f<span class=\"_ _0\"></span>rom that which w<span class=\"_ _0\"></span>ould be determined using fair<span class=\"_ _0\"></span> value and respective </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs322\">measurement principles at <span class=\"_ _0\"></span>the end of the reporting period.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs323\">The last valuation w<span class=\"_ _0\"></span>as performed in 2022. Results of this <span class=\"_ _0\"></span>valuation are pre<span class=\"_ _0\"></span>sented in Note 15, while valuation inputs and <span class=\"_ _0\"></span>techniques </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs324\">are pr<span class=\"_ _0\"></span>esented in Note 31. The Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s properties are spr<span class=\"_ _0\"></span>ead across the dif<span class=\"_ _0\"></span>ferent parts of<span class=\"_ _0\"></span> the country<span class=\"_ _0\"></span>. While the secondary mark<span class=\"_ _0\"></span>et </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs325\">in Georgia pr<span class=\"_ _0\"></span>ovides adequate market in<span class=\"_ _0\"></span>formation f<span class=\"_ _0\"></span>or f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> small and medium-sized properties; valuation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs326\">of large pr<span class=\"_ _0\"></span>operties involves application o<span class=\"_ _0\"></span>f various observable and unobservable inputs to determine adjustments to <span class=\"_ _0\"></span>the available </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs327\">comparable sale pric<span class=\"_ _0\"></span>es. These estimates and assumptions ar<span class=\"_ _0\"></span>e based on the best available inf<span class=\"_ _0\"></span>ormation, however<span class=\"_ _5\"></span>, actual results could </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs328\">be diff<span class=\"_ _0\"></span>erent. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws7 gs329\">Allowanc<span class=\"_ _0\"></span>e for financial assets </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws48 gs32a\">IFRS 9 requir<span class=\"_ _0\"></span>es management to make a number<span class=\"_ _0\"></span> of judgements, assumptions and estimates based on management\u2019<span class=\"_ _d\"></span>s knowledge<span class=\"_ gs7d\"> </span>and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs32b\">historical experienc<span class=\"_ _0\"></span>e that aff<span class=\"_ _0\"></span>ect the allowance f<span class=\"_ _0\"></span>or ECL. A summary of the k<span class=\"_ _0\"></span>ey judgemen<span class=\"_ _0\"></span>ts made by managemen<span class=\"_ _0\"></span>t is set out below<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs32c\">Definition of def<span class=\"_ _0\"></span>ault<span class=\"_ _2\"></span>, credit-impair<span class=\"_ _0\"></span>ed and cure (Note 30<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs32d\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s definition of def<span class=\"_ _0\"></span>ault is based on quantitative and qualitative criteria. <span class=\"_ _0\"></span>The definition may dif<span class=\"_ _0\"></span>fer acr<span class=\"_ _0\"></span>oss products. The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs32e\">definition is consistent <span class=\"_ _0\"></span>with the definition used for<span class=\"_ _0\"></span> internal credit risk management purpo<span class=\"_ _0\"></span>ses and it corresponds with internal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs32f\">financial instrument risk classification r<span class=\"_ _0\"></span>ules. A counterparty<span class=\"_ _0\"></span> is classified as defaulted at the latest <span class=\"_ _0\"></span>when payments of inter<span class=\"_ _0\"></span>est<span class=\"_ _2\"></span>, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs330\">principal or f<span class=\"_ _0\"></span>ees are over<span class=\"_ _0\"></span>due for<span class=\"_ _0\"></span> more than 90 days or<span class=\"_ _0\"></span> when bankruptcy<span class=\"_ _d\"></span>, fraud, insolv<span class=\"_ _0\"></span>ency proc<span class=\"_ _0\"></span>eedings of enf<span class=\"_ _0\"></span>orced liquidation have </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs331\">commenced, or <span class=\"_ _0\"></span>there is other evidenc<span class=\"_ _0\"></span>e that the payment obligations will not be <span class=\"_ _0\"></span>fully met. The det<span class=\"_ _0\"></span>ermination of whether a financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs332\">instrument is cr<span class=\"_ _0\"></span>edit-impaired f<span class=\"_ _0\"></span>ocuses on default risk, without taking in<span class=\"_ _0\"></span>to consideration the ef<span class=\"_ _0\"></span>fects of cr<span class=\"_ _0\"></span>edit risk mitigations such as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs333\">collateral or<span class=\"_ _0\"></span> guarantees. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs334\">An instrument is classified as cr<span class=\"_ _0\"></span>edit-impaired if the c<span class=\"_ _0\"></span>ounterparty is defaulted and/<span class=\"_ _5\"></span>or the instrument is POCI.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs335\">Once the financial asse<span class=\"_ _0\"></span>t is classified as credit-impaired (<span class=\"_ _d\"></span>except <span class=\"_ _0\"></span>for POCIs) it r<span class=\"_ _0\"></span>emains as such unless all past due amounts have been </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs336\">rectified or <span class=\"_ _0\"></span>there is general evidenc<span class=\"_ _0\"></span>e of credit r<span class=\"_ _0\"></span>ecovery<span class=\"_ _d\"></span>. A minimum period of six consecutiv<span class=\"_ _0\"></span>e months\u2019 payment is applied as the exit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs337\">criteria to financial assets r<span class=\"_ _0\"></span>estructured due t<span class=\"_ _0\"></span>o credit risk other <span class=\"_ _0\"></span>than corporate loan portfolio and deb<span class=\"_ _0\"></span>t instruments measured at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs338\">FVOCI, wher<span class=\"_ _0\"></span>e exit criteria ar<span class=\"_ _0\"></span>e determined as an exit f<span class=\"_ _0\"></span>rom bankruptcy<span class=\"_ _0\"></span> or insolvency stat<span class=\"_ _0\"></span>us, disappearance of liquidity<span class=\"_ _0\"></span> problems or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs339\">existence o<span class=\"_ _0\"></span>f other general e<span class=\"_ _0\"></span>vidence of credit r<span class=\"_ _0\"></span>ecovery assessed on individual basis. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs33a\">For o<span class=\"_ _0\"></span>ther credit-impair<span class=\"_ _0\"></span>ed financial instruments, the e<span class=\"_ _0\"></span>xit criteria is determined as repayment of<span class=\"_ _0\"></span> the entire ov<span class=\"_ _0\"></span>erdue amount other </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs33b\">than through re<span class=\"_ _0\"></span>financing or foreclosur<span class=\"_ _0\"></span>e. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs33c\">Once a credit<span class=\"_ _0\"></span>-impaired financial asset meets <span class=\"_ _0\"></span>the default exit criteria, it r<span class=\"_ _0\"></span>emains in Stage 2 at least f<span class=\"_ _0\"></span>or the ne<span class=\"_ _0\"></span>xt 12 consecutive </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs33d\">months. In case no def<span class=\"_ _0\"></span>ault status is assigned during the 12 consecutive months, it is <span class=\"_ _0\"></span>transf<span class=\"_ _0\"></span>erred to Stage 1 if its cr<span class=\"_ _0\"></span>edit risk is not </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs33e\">significantly<span class=\"_ _0\"></span> higher than at origination date.<span class=\"_ _3e0\"> </span> </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs340\">Significant incr<span class=\"_ _0\"></span>ease in credit risk (SICR)<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs341\">SICR is not a defined term per<span class=\"_ _0\"></span> IFRS 9, and is de<span class=\"_ _0\"></span>termined by managemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, based on their e<span class=\"_ _0\"></span>xperience and judgement. In assessing </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs342\">whether the cr<span class=\"_ _0\"></span>edit risk has significantly<span class=\"_ _0\"></span> increased, the Gr<span class=\"_ _0\"></span>oup has identified a series of qualitative and quantitativ<span class=\"_ _0\"></span>e criteria based </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs343\">on undertaking the holistic analysis of v<span class=\"_ _0\"></span>arious factors including tho<span class=\"_ _0\"></span>se which are specific to a particular <span class=\"_ _0\"></span>financial instrument or to a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs344\">borrower<span class=\"_ _0\"></span> as well as those applicable t<span class=\"_ _0\"></span>o particular sub-portfolios. These criteria ar<span class=\"_ _0\"></span>e:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs345\">\u2022 <span class=\"_ _59\"> </span>A significant incr<span class=\"_ _0\"></span>ease in credit risk, expr<span class=\"_ _0\"></span>essed in the relative and/<span class=\"_ _5\"></span>or absolute increase in <span class=\"_ _0\"></span>the risk of default sinc<span class=\"_ _0\"></span>e initial recognition. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs346\">SICR is determined based on comparison between cr<span class=\"_ _0\"></span>edit risk ratings (internal or<span class=\"_ _0\"></span> external) as of <span class=\"_ _0\"></span>the origination date and credit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs347\">risk ratings as of<span class=\"_ _0\"></span> the reporting date f<span class=\"_ _0\"></span>or each financial asset individually<span class=\"_ _d\"></span>. Thr<span class=\"_ _0\"></span>esholds are determined separ<span class=\"_ _0\"></span>ately f<span class=\"_ _0\"></span>or corpor<span class=\"_ _0\"></span>ate, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs348\">retail, SME and o<span class=\"_ _0\"></span>ther financial instrument portf<span class=\"_ _0\"></span>olios, depending on initial grade assigned at origination. The <span class=\"_ _0\"></span>threshold applied </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs349\">depends on the original credit quality<span class=\"_ _0\"></span> of the borr<span class=\"_ _0\"></span>owers. Higher thr<span class=\"_ _0\"></span>eshold is set for<span class=\"_ _0\"></span> those instruments with a low<span class=\"_ _0\"></span> PD at origination. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs34a\">The table below summarises SICR <span class=\"_ _0\"></span>thresholds (the actual thr<span class=\"_ _0\"></span>esholds are applied on a more gr<span class=\"_ _0\"></span>anular level): </div><div class=\"gs34b\"><table class=\"s w3d6 h110\" id=\"_e80ff37e-48e2-49c3-ad7c-0ecb766380fa\"><tr><td></td><td></td><td></td><td class=\"t m1 x63b h77 y4c1d ffb fs1d fc1 sc0 ls0 wse4\">SICR threshold </td></tr><tr><td class=\"c n x1ca y4c1e w3d7 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Loan portfolio type<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63c y4c1e w3d8 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Rating type<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63d y4c1e w3d9 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Initial rating<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x620 h77 y4c1f ffb fs1d fc1 sc0 ls0 ws0\">(notches)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c20 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63e y4c20 wcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Internal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63f y4c20 w3db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">2-4+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ba y4c20 w3dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c21 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63e y4c21 wcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Internal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x640 y4c21 w3dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>7+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x641 y4c21 w3de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">1-5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c22 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x642 y4c22 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x643 y4c22 w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x644 y4c22 w3e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w3e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x645 y4bee w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x646 y4bee w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x647 y4bee w3e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x642 y4bef w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x643 y4bef w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x648 y4bef w3e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa9 wsf6\">4<span class=\"_ _39\"></span>-10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x649 y4ac9 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64a y4ac9 w3e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64b y4ac9 w3e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans, Mortgage, Consumer<span class=\"_ _5\"></span>, Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64c y4aa3 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64d y4aa3 w3eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D-E<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64e y4aa3 w3de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">1-5<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs34c\">\u2022 <span class=\"_ _59\"> </span>Existence of f<span class=\"_ _0\"></span>orecast of<span class=\"_ _0\"></span> adverse changes in commercial, <span class=\"_ _0\"></span>financial or economic conditions that adver<span class=\"_ _0\"></span>sely aff<span class=\"_ _0\"></span>ect the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs34d\">creditworthiness of <span class=\"_ _0\"></span>the borrower<span class=\"_ _5\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs34e\">\u2022 <span class=\"_ _59\"> </span>Modification of the con<span class=\"_ _0\"></span>tractual terms due to financial pr<span class=\"_ _0\"></span>oblems of the borr<span class=\"_ _0\"></span>ower other <span class=\"_ _0\"></span>than default.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs34f\">\u2022 <span class=\"_ _59\"> </span>The days past due on individual contract le<span class=\"_ _0\"></span>vel breached the thr<span class=\"_ _0\"></span>eshold of 30 days.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs350\">\u2022 <span class=\"_ _59\"> </span>Other qualitative indicators, such as e<span class=\"_ _0\"></span>xternal market indic<span class=\"_ _0\"></span>ators of credit risk or<span class=\"_ _0\"></span> general economic conditions, <span class=\"_ _0\"></span>which indicate that </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs351\">the level of risk<span class=\"_ _0\"></span> has increased significantly<span class=\"_ _0\"></span> since origination.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs352\">The above noted SICR indic<span class=\"_ _0\"></span>ators are identified at the <span class=\"_ _0\"></span>financial instrument level in or<span class=\"_ _0\"></span>der to tr<span class=\"_ _0\"></span>ack changes in credit risk since <span class=\"_ _0\"></span>the initial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs353\">recognition date<span class=\"_ _0\"></span>. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs354\">Measurement o<span class=\"_ _0\"></span>f ECLs<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs355\">ECL r<span class=\"_ _0\"></span>eflects an unbiased, probability-w<span class=\"_ _0\"></span>eighted estimate based on a combination of the <span class=\"_ _0\"></span>following principal f<span class=\"_ _0\"></span>actors: PD, loss giv<span class=\"_ _0\"></span>en </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs356\">default (L<span class=\"_ _d\"></span>GD), and exposure at def<span class=\"_ _0\"></span>ault (EAD), which are <span class=\"_ _0\"></span>further explained below: </div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs357\">PD estimation:</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs358\"> The Gr<span class=\"_ _0\"></span>oup estimates PD based on a combination of r<span class=\"_ _0\"></span>ating model calibration r<span class=\"_ _0\"></span>esults and a migration matrices </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs359\">approach which is <span class=\"_ _0\"></span>further adjusted f<span class=\"_ _0\"></span>or macroeconomic e<span class=\"_ _0\"></span>xpectations for a minimum <span class=\"_ _0\"></span>three y<span class=\"_ _0\"></span>ears onwards <span class=\"_ _0\"></span>for all portf<span class=\"_ _0\"></span>olios, to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35a\">repr<span class=\"_ _0\"></span>esent the f<span class=\"_ _0\"></span>orward-looking estimators of <span class=\"_ _0\"></span>the PD parameters. <span class=\"_ _0\"></span>The migration matrix is built in a way<span class=\"_ _0\"></span> to r<span class=\"_ _0\"></span>eflect the weighted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35b\">average <span class=\"_ _0\"></span>yearly<span class=\"_ _0\"></span> migration over <span class=\"_ _0\"></span>the historical data period. The risk gr<span class=\"_ _0\"></span>oups are determined in a <span class=\"_ _0\"></span>way to ensur<span class=\"_ _0\"></span>e intra-gr<span class=\"_ _0\"></span>oup homogeneity </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35c\">and diff<span class=\"_ _0\"></span>erentiation of e<span class=\"_ _0\"></span>xpected PD levels. For<span class=\"_ _0\"></span> loan portfolios other than c<span class=\"_ _0\"></span>orporate loans, PD is further adjusted c<span class=\"_ _0\"></span>onsidering the time </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35d\">since financial instrument origination. <span class=\"_ _0\"></span>The models incorporat<span class=\"_ _0\"></span>e both qualitative and quantitative in<span class=\"_ _0\"></span>formation and, wher<span class=\"_ _0\"></span>e practical, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35e\">build on inf<span class=\"_ _0\"></span>ormation from <span class=\"_ _0\"></span>top rating agencies, Cr<span class=\"_ _0\"></span>edit Bureau or internal cr<span class=\"_ _0\"></span>edit rating systems. Since S<span class=\"_ _0\"></span>tage 3 financial instruments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs35f\">are def<span class=\"_ _0\"></span>aulted, the PD in this case is equal <span class=\"_ _0\"></span>to 100%.<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 ls0 ws0 gs360\">EAD:</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs361\"> The EAD r<span class=\"_ _0\"></span>epresents an estimate of<span class=\"_ _0\"></span> the exposur<span class=\"_ _0\"></span>e to credit risk at the <span class=\"_ _0\"></span>time of a potential def<span class=\"_ _0\"></span>ault occurring during the life o<span class=\"_ _0\"></span>f a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs362\">financial asset. It represen<span class=\"_ _0\"></span>ts the cash flows outstanding at the <span class=\"_ _0\"></span>time of default, considering e<span class=\"_ _0\"></span>xpected repayments, inter<span class=\"_ _0\"></span>est payments </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs363\">and accruals discounted at <span class=\"_ _0\"></span>the EIR. T<span class=\"_ _5\"></span>o calculate EAD for a S<span class=\"_ _0\"></span>tage 1 financial instrument, the Group assesses the possible de<span class=\"_ _0\"></span>fault </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 wse gs364\">events <span class=\"_ _0\"></span>within 12 months for <span class=\"_ _0\"></span>the calculation of the 12 months ECL. For S<span class=\"_ _0\"></span>tage 2 and POCI financial instruments, the EAD is consider<span class=\"_ _0\"></span>ed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs365\">for<span class=\"_ _0\"></span> events over<span class=\"_ _0\"></span> the lifetime of <span class=\"_ _0\"></span>the instruments. The Gr<span class=\"_ _0\"></span>oup determines EAD diff<span class=\"_ _0\"></span>erently<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> products with repayment schedules and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs366\">those without repaymen<span class=\"_ _0\"></span>t schedules. For financial instrumen<span class=\"_ _0\"></span>ts with repayment schedules, <span class=\"_ _0\"></span>the Group estimates f<span class=\"_ _0\"></span>orward-looking </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs367\">EAD using the contr<span class=\"_ _0\"></span>actual cash flow appr<span class=\"_ _0\"></span>oach with further corr<span class=\"_ _0\"></span>ections for e<span class=\"_ _0\"></span>xpected prepayments and ov<span class=\"_ _0\"></span>erdue days. For<span class=\"_ _0\"></span> products </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs368\">without the repaymen<span class=\"_ _0\"></span>t schedules such as credit car<span class=\"_ _0\"></span>ds, credit lines and financial guar<span class=\"_ _0\"></span>antees, the Group estimates <span class=\"_ _0\"></span>the forward-<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs369\">looking EAD using the limit utilisation approach. Under<span class=\"_ _0\"></span> the above appr<span class=\"_ _0\"></span>oach EAD is calculated using the expected utilisation r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs36a\">based on historical data of actual dr<span class=\"_ _0\"></span>aw-down amounts.<span class=\"_ _3e0\"> </span></div><div class=\"t m9 ha0 ff2 fs31 fc1 sc0 lsaa wsf7 gs36b\">LG<span class=\"_ _2\"></span>D<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs36c\">: L<span class=\"_ _0\"></span>GD is defined as the likely<span class=\"_ _0\"></span> loss in case of a coun<span class=\"_ _0\"></span>terpart<span class=\"_ _2\"></span>y def<span class=\"_ _0\"></span>ault. It provides an estimation of the e<span class=\"_ _0\"></span>xposure that c<span class=\"_ _0\"></span>annot </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs36d\">be reco<span class=\"_ _0\"></span>vered in a def<span class=\"_ _0\"></span>ault event and ther<span class=\"_ _0\"></span>efor<span class=\"_ _0\"></span>e captures <span class=\"_ _0\"></span>the severity of a loss. <span class=\"_ _0\"></span>The determination of the L<span class=\"_ _d\"></span>GD takes into acc<span class=\"_ _0\"></span>ount </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs36e\">expected f<span class=\"_ _0\"></span>uture cash flows <span class=\"_ _0\"></span>from collater<span class=\"_ _0\"></span>al and other cr<span class=\"_ _0\"></span>edit enhancements, or expected pay<span class=\"_ _0\"></span>outs from bankr<span class=\"_ _0\"></span>uptcy proc<span class=\"_ _0\"></span>eedings for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs36f\">unsecured claims, and wher<span class=\"_ _0\"></span>e applicable, time <span class=\"_ _0\"></span>to realisation of collater<span class=\"_ _0\"></span>al and the seniority of<span class=\"_ _0\"></span> claims. The Group segments its <span class=\"_ _0\"></span>financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs370\">instruments into homogeneous portf<span class=\"_ _0\"></span>olios, based on key<span class=\"_ _0\"></span> characteristics that ar<span class=\"_ _0\"></span>e relev<span class=\"_ _0\"></span>ant to the estimation of <span class=\"_ _0\"></span>future cash flo<span class=\"_ _0\"></span>ws. The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs371\">applied data is based on historically<span class=\"_ _0\"></span> collected loss data and involves a <span class=\"_ _0\"></span>wider set of tr<span class=\"_ _0\"></span>ansaction characteristics (<span class=\"_ _0\"></span>e.g. product type, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs372\">wider range o<span class=\"_ _0\"></span>f collateral types<span class=\"_ _0\"></span>). Based on this information, <span class=\"_ _0\"></span>the Group estimates the r<span class=\"_ _0\"></span>ecovery r<span class=\"_ _0\"></span>ate (o<span class=\"_ _0\"></span>ther than through c<span class=\"_ _0\"></span>ollateral), </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs373\">cure r<span class=\"_ _0\"></span>ate and probability o<span class=\"_ _0\"></span>f re-def<span class=\"_ _0\"></span>ault<span class=\"_ _2\"></span>. Recov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y thr<span class=\"_ _0\"></span>ough collateral is <span class=\"_ _0\"></span>further considered in L<span class=\"_ _0\"></span>GD calculations individually<span class=\"_ _0\"></span> for each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs374\">financial instrument.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs376\">Assets consider<span class=\"_ _0\"></span>ed in the ECL c<span class=\"_ _0\"></span>alculations<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs377\">IFRS 9 requir<span class=\"_ _0\"></span>es cash flows e<span class=\"_ _0\"></span>xpected from collat<span class=\"_ _0\"></span>eral and other cr<span class=\"_ _0\"></span>edit enhancements to be r<span class=\"_ _0\"></span>eflected in the ECL calculation. <span class=\"_ _0\"></span>The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs378\">treatment and r<span class=\"_ _0\"></span>eflection of collater<span class=\"_ _0\"></span>al for IFRS 9 purpose<span class=\"_ _0\"></span>s is in line with general risk management principles, policies and pr<span class=\"_ _0\"></span>ocesses </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs379\">of the Gr<span class=\"_ _0\"></span>oup. Collateral, unless r<span class=\"_ _0\"></span>epossessed, is not rec<span class=\"_ _0\"></span>orded on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s statement of financial position. The <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs37a\">collateral af<span class=\"_ _0\"></span>fects the calculation o<span class=\"_ _0\"></span>f ECLs. It is generally<span class=\"_ _0\"></span> assessed at inception and reassessed on an annual basis <span class=\"_ _0\"></span>for all material </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs37b\">exposur<span class=\"_ _0\"></span>es.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs37c\">Management Overlay<span class=\"_ _0\"></span>s and improv<span class=\"_ _0\"></span>ements to the ECL me<span class=\"_ _0\"></span>thodology </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs37d\">In prior periods the Gr<span class=\"_ _0\"></span>oup applied a number of management ov<span class=\"_ _0\"></span>erlays to the existing E<span class=\"_ _0\"></span>CL methodology<span class=\"_ _0\"></span> due to the unprec<span class=\"_ _0\"></span>edented </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs37e\">nature of<span class=\"_ _0\"></span> the COVID-<span class=\"_ _d\"></span>19 pandemic and the uncertainties associated with it. Such overlays relat<span class=\"_ _0\"></span>ed to staging of CO<span class=\"_ _0\"></span>VID-<span class=\"_ _0\"></span>19 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs37f\">restructur<span class=\"_ _0\"></span>ed loans as well as cure and r<span class=\"_ _0\"></span>ecovery r<span class=\"_ _0\"></span>ates. Given a reasonable time has passed <span class=\"_ _0\"></span>for the st<span class=\"_ _0\"></span>atistics to properly<span class=\"_ _0\"></span> reflect the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs380\">eff<span class=\"_ _0\"></span>ects of COVID-<span class=\"_ _d\"></span>19<span class=\"_ _0\"></span>, the Group decided to r<span class=\"_ _0\"></span>emove respective managemen<span class=\"_ _0\"></span>t overlays which positively<span class=\"_ _0\"></span> aff<span class=\"_ _0\"></span>ected overall ECL<span class=\"_ _0\"></span> of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs381\">Group. In addition, managemen<span class=\"_ _0\"></span>t re-estimated collater<span class=\"_ _0\"></span>al realisation period f<span class=\"_ _0\"></span>or L<span class=\"_ _0\"></span>GD calculations resulting in an incr<span class=\"_ _0\"></span>ease of ECL. This </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs382\">together with <span class=\"_ _0\"></span>the removal of<span class=\"_ _0\"></span> management overlays and other minor<span class=\"_ _0\"></span> improvements <span class=\"_ _0\"></span>to the methodology r<span class=\"_ _0\"></span>esulted in the decrease o<span class=\"_ _0\"></span>f </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs383\">ECL b<span class=\"_ _0\"></span>y GEL<span class=\"_ _0\"></span> 21.4 million for <span class=\"_ _0\"></span>the Group in 2022.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs384\">Forwar<span class=\"_ _0\"></span>d-looking information<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs385\">Under IFRS 9<span class=\"_ _d\"></span>, the allowance for<span class=\"_ _0\"></span> expected credit losses is based on r<span class=\"_ _0\"></span>easonable and supportable forwar<span class=\"_ _0\"></span>d-looking information </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs386\">obtainable without undue cost or<span class=\"_ _0\"></span> effort, which tak<span class=\"_ _0\"></span>es into consideration past e<span class=\"_ _0\"></span>vents, current c<span class=\"_ _0\"></span>onditions and for<span class=\"_ _0\"></span>ecasts of futur<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs387\">economic conditions.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs388\">T<span class=\"_ _d\"></span>o incorporate <span class=\"_ _0\"></span>forward-looking in<span class=\"_ _0\"></span>formation into the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s allowance f<span class=\"_ _0\"></span>or expected credit losse<span class=\"_ _0\"></span>s, the Group uses the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs389\">macroeconomic <span class=\"_ _0\"></span>forec<span class=\"_ _0\"></span>asts provided b<span class=\"_ _0\"></span>y the NBG f<span class=\"_ _0\"></span>or Group c<span class=\"_ _0\"></span>ompanies operating in Georgia, <span class=\"_ _0\"></span>while data used by Belarusky<span class=\"_ _0\"></span> Narodn<span class=\"_ _0\"></span>y </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38a\">Bank (BNB) is pro<span class=\"_ _0\"></span>vided by a non-go<span class=\"_ _0\"></span>vernmental resear<span class=\"_ _0\"></span>ch centre oper<span class=\"_ _0\"></span>ating in Belarus. Macroeconomic <span class=\"_ _0\"></span>variables cover<span class=\"_ _0\"></span>ed by <span class=\"_ _0\"></span>these </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38b\">for<span class=\"_ _0\"></span>ecasts and which the Gr<span class=\"_ _0\"></span>oup incorporated in its ECL<span class=\"_ _0\"></span> assessment model include GDP gro<span class=\"_ _0\"></span>wth, foreign e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate and inflation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38c\">rate<span class=\"_ _0\"></span>. These f<span class=\"_ _0\"></span>orward-looking macroeconomic <span class=\"_ _0\"></span>variables are gener<span class=\"_ _0\"></span>ally updated on a semi-annual basis f<span class=\"_ _0\"></span>or Georgian companies and on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38d\">a quarterly basis f<span class=\"_ _0\"></span>or BNB.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38e\">The determination of the pr<span class=\"_ _0\"></span>obability-weighted ECL<span class=\"_ _0\"></span> requir<span class=\"_ _0\"></span>es evaluating a range o<span class=\"_ _0\"></span>f diverse and rele<span class=\"_ _0\"></span>vant futur<span class=\"_ _0\"></span>e economic conditions. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs38f\">T<span class=\"_ _d\"></span>o accommodate this r<span class=\"_ _0\"></span>equirement, the Group uses <span class=\"_ _0\"></span>three diff<span class=\"_ _0\"></span>erent economic sc<span class=\"_ _0\"></span>enarios in the ECL c<span class=\"_ _0\"></span>alculation: an upside (weight </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs390\">0.25), a base case (weigh<span class=\"_ _0\"></span>t 0.50) and a do<span class=\"_ _0\"></span>wnside (weight 0.25) scenario r<span class=\"_ _0\"></span>elevant f<span class=\"_ _0\"></span>or each respective portf<span class=\"_ _0\"></span>olio. A<span class=\"_ _0\"></span> weight is calculated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs391\">for<span class=\"_ _0\"></span> each scenario by<span class=\"_ _0\"></span> using a probabilistic economic model that consider<span class=\"_ _0\"></span>s recent in<span class=\"_ _0\"></span>formation as well as historic<span class=\"_ _0\"></span>al data provided by<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs392\">the NBG. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws9c gs393\">The Group consider<span class=\"_ _0\"></span>s these for<span class=\"_ _0\"></span>ecasts to r<span class=\"_ _0\"></span>epresent its best estimate of<span class=\"_ _0\"></span> the possible outcomes, based on reliable av<span class=\"_ _0\"></span>ailable information.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws49 gs394\">Forwar<span class=\"_ _0\"></span>d-looking variable assumptions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs395\">The most significant period end assumptions used <span class=\"_ _0\"></span>for ECL<span class=\"_ _0\"></span> estimate as at 31 December 2023 per<span class=\"_ _0\"></span> geographical segments ar<span class=\"_ _0\"></span>e set out </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs396\">below<span class=\"_ _0\"></span>. The scenarios \u2018base<span class=\"_ _0\"></span>\u2019<span class=\"_ _5\"></span>, \u2018upside\u2019 and \u2018<span class=\"_ _d\"></span>downside\u2019 w<span class=\"_ _0\"></span>ere used f<span class=\"_ _0\"></span>or all portfolios.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs397\">Georgia<span class=\"_ _3e0\"> </span></div><div class=\"gs398\"><table class=\"s w3ec h111\" id=\"_0879fe86-5e82-4f64-8f05-432ac871b09a\"><tr><td></td><td class=\"t m1 x64f h77 y4c23 ffb fs1d fc1 sc0 lsab wsf8\">ECL </td><td class=\"t m1 x650 h77 y4c23 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x651 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td class=\"t m1 x652 h77 y4c25 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x653 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td class=\"t m1 x562 h77 y4c25 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x654 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x655 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">scenario<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x656 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x657 y4c27 w3ed h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2024<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x658 y4c27 w3ee h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x659 y4c27 w3ef h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2026</div></td><td class=\"t m1 x4ea h77 y4c28 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x65a y4c27 w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65b y4c27 w3f1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65c y4c27 w3f2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2025</div></td><td class=\"t m1 x4b2 h77 y4c28 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x65d y4c27 w3f3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65e y4c27 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65f y4c27 w3f4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>024<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c29 ffb fs1 fc1 sc0 ls0 ws0\">GDP growth in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x660 y4c2a w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x661 y4c2a w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x662 y4c2a w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x663 y4c2a w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x664 y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x665 y4c2a w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x666 y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x667 y4c2a w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x668 y4c2a w3fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x669 y4c2a w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66a y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66b y4c2a w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66c y4c2a w3fd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c2b w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c2b w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66f y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x670 y4c2b w3fd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x671 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x672 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x673 y4c2b w401 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x674 y4c2b w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x675 y4c2b w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x676 y4c2b w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x677 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x678 y4c2b w404 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x679 y4c2b w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.50%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x67a y4c2c w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67b y4c2c w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67c y4c2c w407 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67d y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67e y4c2c w408 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67f y4c2c w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x680 y4c2c w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x681 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x682 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x683 y4c2c w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x684 y4c2c w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x685 y4c2c w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x686 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c2d ffb fs1 fc1 sc0 ls0 ws0\">GEL/US$ exchange r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></td><td class=\"c n x687 y4c2e w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x688 y4c2e w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x689 y4c2e w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68a y4c2e w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68b y4c2e w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68c y4c2e w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68d y4c2e w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68e y4c2e w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68f y4c2e w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x690 y4c2e w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x691 y4c2e w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x692 y4c2e w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x693 y4c2e w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c2f w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c2f w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x694 y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x695 y4c2f w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x696 y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x697 y4c2f w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x698 y4c2f w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x699 y4c2f w40d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69a y4c2f w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x676 y4c2f w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69b y4c2f w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69c y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69d y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x67a y4c30 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67b y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69e y4c30 w40e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls63 ws96\">-15.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69f y4c30 w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a0 y4c30 w408 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a1 y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a2 y4c30 w40f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls63 ws96\">-<span class=\"_ _d\"></span>15.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a3 y4c30 w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a4 y4c30 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a5 y4c30 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a6 y4c30 w410 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a7 y4c30 w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a8 y4c30 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c31 ffb fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">CPI inflation rate in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x687 y4c32 w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x688 y4c32 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a9 y4c32 w411 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6aa y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ab y4c32 w407 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ac y4c32 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ad y4c32 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ae y4c32 w412 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6af y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b0 y4c32 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b1 y4c32 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b2 y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b3 y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c33 w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c33 w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b4 y4c33 w413 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b5 y4c33 w414 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b6 y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b7 y4c33 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b8 y4c33 w415 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b9 y4c33 w414 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ba y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bb y4c33 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bc y4c33 w416 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bd y4c33 w417 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6be y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4aa3 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bf y4aa3 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c0 y4aa3 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c1 y4aa3 w418 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c2 y4aa3 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c3 y4aa3 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c4 y4aa3 w419 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c5 y4aa3 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c6 y4aa3 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c7 y4aa3 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c8 y4aa3 w41a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c9 y4aa3 w404 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ca y4aa3 w412 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs39a\">Belarus<span class=\"_ _3e0\"> </span></div><div class=\"gs319\"><table class=\"s w41b h112\" id=\"_f563ff05-e214-47f2-ba30-1acf4c1aad5b\"><tr><td></td><td class=\"t m1 x6cb h77 y4c34 ffb fs1d fc1 sc0 lsab wsf8\">ECL </td><td class=\"t m1 x6cc h77 y4c34 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x2f2 h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4c36 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x6ce h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cf h77 y4c36 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x6d0 h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6d1 h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">scenario<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fd h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d2 y4c27 w3ed hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2024<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d3 y4c27 w3ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2025</div></td><td class=\"t m1 x6d4 h77 y4c38 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d5 y4c27 w41c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d6 y4c27 w3f1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>4</div></td><td class=\"t m1 x6d7 h77 y4c38 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d8 y4c27 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d9 y4c27 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c39 ffb fs1 fc1 sc0 ls0 ws0\">GDP growth in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c3a w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c3a w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6db y4c3a w41f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.77%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6dc y4c3a w420 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>13%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6dd y4c3a w421 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6de y4c3a w422 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.6<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6df y4c3a w423 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.26%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e0 y4c3a w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e1 y4c3a w424 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e2 y4c3a w425 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.01%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c2b w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e5 y4c2b w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.95%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e6 y4c2b w427 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.49%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e7 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e8 y4c2b w428 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e9 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ea y4c2b w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6eb y4c2b w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ec y4c2b w429 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.24%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c3b w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4c3b w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ee y4c3b w42a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>14%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ef y4c3b w42b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-2.<span class=\"_ _d\"></span>15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f0 y4c3b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f1 y4c3b w42c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-2.05%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f2 y4c3b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-3.26%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f3 y4c3b w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f4 y4c3b w40 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>1.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f5 y4c3b w42d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>2.52%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c3c ffb fs1 fc1 sc0 ls0 ws0\">BYN/US$ e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c3d w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c3d w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f6 y4c3d w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f7 y4c3d w42e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.62%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f8 y4c3d w42f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f9 y4c3d w430 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls4d ws7a\">0.7<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fa y4c3d w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fb y4c3d w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fc y4c3d w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fd y4c3d w431 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.52%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c3e w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fe y4c3e w432 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ff y4c3e w433 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x700 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x701 y4c3e w434 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.53%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x702 y4c3e w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x703 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x704 y4c3e w422 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.4<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x705 y4c3e w435 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.37%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c30 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x706 y4c30 w436 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x707 y4c30 w437 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.77%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x708 y4c30 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x709 y4c30 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70a y4c30 w438 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls2b ws54\">2<span class=\"_ _2\"></span>.41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70b y4c30 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70c y4c30 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.05%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70d y4c30 w439 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c3f ffb fs1 fc1 sc0 ls0 ws0\">CPI inflation rate in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c32 w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c32 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70e y4c32 w43a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70f y4c32 w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.52%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x710 y4c32 w421 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x711 y4c32 w43b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x712 y4c32 w43c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x713 y4c32 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x714 y4c32 w43d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">-0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x715 y4c32 w43e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.85%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c40 w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x716 y4c40 w43f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>94%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x717 y4c40 w440 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x718 y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x719 y4c40 w441 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71a y4c40 w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71b y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71c y4c40 w442 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71d y4c40 w443 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.38%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4aa3 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4aa3 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71e y4aa3 w444 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.86%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71f y4aa3 w445 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">4.0<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x720 y4aa3 w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x721 y4aa3 w446 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x722 y4aa3 w440 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls4d ws7a\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x723 y4aa3 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x724 y4aa3 w447 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.63%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x725 y4aa3 w448 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.4<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs39b\">All other par<span class=\"_ _0\"></span>ameters held constant, increase in GDP gr<span class=\"_ _0\"></span>owth and decrease in f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change rate and in<span class=\"_ _0\"></span>flation would result in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs39c\">a decrease in ECL, with opposite changes resulting in E<span class=\"_ _0\"></span>CL increase<span class=\"_ _0\"></span>. GDP growth input has the most significant impact on ECL, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs39d\">follow<span class=\"_ _0\"></span>ed by <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate and inflation. Retail portf<span class=\"_ _0\"></span>olio ECL is less af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change rate inputs due to lar<span class=\"_ _0\"></span>ger </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs39e\">share of GEL<span class=\"_ _d\"></span>-denominated exposur<span class=\"_ _0\"></span>es. However<span class=\"_ _d\"></span>, re<span class=\"_ _0\"></span>tail portfolio ECL is af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> inflation, which does no<span class=\"_ _0\"></span>t have a significant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs39f\">impact on corporate ECL.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3a0\">The table below sho<span class=\"_ _0\"></span>ws the sensitivity of the r<span class=\"_ _0\"></span>ecognised ECL<span class=\"_ _0\"></span> amounts to the f<span class=\"_ _0\"></span>orward-looking assumptions used in the model. F<span class=\"_ _0\"></span>or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3a1\">these purposes, 100% weight is assigned <span class=\"_ _0\"></span>to each macroeconomic scenario separ<span class=\"_ _0\"></span>ately and r<span class=\"_ _0\"></span>espective ECL is r<span class=\"_ _0\"></span>ecalculated. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3a2\">Sensitivity of ECL<span class=\"_ _0\"></span> to f<span class=\"_ _0\"></span>orward-looking assumptions:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs3a3\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div><div class=\"gs3a4\"><table class=\"s w449 h113\" id=\"_5ae81222-0083-4213-8400-a176a9cc7383\"><tr><td></td><td></td><td class=\"t m1 x726 h77 y4c41 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c42 ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c43 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c44 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c44 ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72c y4c46 w44d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72d y4c46 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72e y4c46 w44f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.37%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72f y4c46 w450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x730 y4c46 w451 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.4<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x731 y4bee w453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x732 y4bee w454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x733 y4bee w455 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.<span class=\"_ _2\"></span>49%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x734 y4bee w456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x735 y4bee w450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.51%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4bef w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x737 y4bef w457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x738 y4bef w458 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>74%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x739 y4bef w457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73a y4bef w459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.78%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73b y4bf8 w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73c y4bf8 w45b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4bf8 w45c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73e y4bf8 w45d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4bf8 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.86%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x740 y4aa3 w45f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x741 y4aa3 w460 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x742 y4aa3 w461 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x743 y4aa3 w461 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4aa3 w462 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs3a5\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div><div class=\"gs3a6\"><table class=\"s w463 h114\" id=\"_927b838e-060d-4396-8249-3035edf5472e\"><tr><td></td><td></td><td class=\"t m1 x726 h77 y4c47 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c48 ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c49 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c4a ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c4a ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x745 y4c46 w464 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x746 y4c46 w465 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x747 y4c46 w466 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x748 y4c46 w337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>70%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x749 y4c46 w467 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.81%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74a y4bee w468 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74b y4bee w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74c y4bee w46a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _39\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74d y4bee w46b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74e y4bee w46c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>73%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74f y4bef w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x750 y4bef w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x751 y4bef w46f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.61%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x752 y4bef w470 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x753 y4bef w471 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.7<span class=\"_ _0\"></span>0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x754 y4bf8 w472 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4bf8 w473 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x756 y4bf8 w474 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>70%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x757 y4bf8 w475 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>74%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x758 y4bf8 w476 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.84%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x759 y4aa3 w477 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75a y4aa3 w478 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75b y4aa3 w479 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75c y4aa3 w47a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75d y4aa3 w478 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs3a7\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div><div class=\"gs3a8\"><table class=\"s w463 h114\" id=\"_2ec42053-4817-4af3-b34e-c3105a22e349\"><tr><td></td><td></td><td class=\"t m1 x75e h77 y4c4b ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c4c ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c4d ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c4e ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c4e ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75f y4c46 w47b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _d\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x760 y4c46 w47c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4c46 w47d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x762 y4c46 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.84%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x763 y4c46 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.86%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x764 y4bee w47e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x765 y4bee w47f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x766 y4bee w480 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x767 y4bee w481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.81%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x768 y4bee w482 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.85%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x769 y4bef w483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74,<span class=\"_ _39\"></span>44<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76a y4bef w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>99%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76b y4bef w485 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76c y4bef w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>96%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76d y4bef w486 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76e y4bf8 w487 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76f y4bf8 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x770 y4bf8 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.46%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x771 y4bf8 w489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.54%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x772 y4bf8 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">4<span class=\"_ _39\"></span>.70%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x773 y4aa3 w48b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x774 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x775 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x776 y4aa3 w48d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x777 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.26%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs3a9\">Aggr<span class=\"_ _0\"></span>egation of financial instruments f<span class=\"_ _0\"></span>or collective assessmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3aa\">For <span class=\"_ _0\"></span>the purpose of a collective evaluation of<span class=\"_ _0\"></span> impairment, financial instruments are gr<span class=\"_ _0\"></span>ouped within homogeneous pools as follows: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ab\">corporate loan portf<span class=\"_ _0\"></span>olio is grouped on the basis o<span class=\"_ _0\"></span>f loan repayment sour<span class=\"_ _0\"></span>ce type; and retail loan portf<span class=\"_ _0\"></span>olio is grouped on the basis of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ac\">credit risk char<span class=\"_ _0\"></span>acteristics such as an asset type, collater<span class=\"_ _0\"></span>alisation level, repayment sour<span class=\"_ _0\"></span>ce type and other r<span class=\"_ _0\"></span>elevant f<span class=\"_ _0\"></span>actors. As f<span class=\"_ _0\"></span>or SME </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ad\">and micro loan portf<span class=\"_ _0\"></span>olios, financial instruments are gr<span class=\"_ _0\"></span>ouped based on asset type, over<span class=\"_ _0\"></span>due buckets, c<span class=\"_ _0\"></span>ollateralisation level and other<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs3ae\">relev<span class=\"_ _0\"></span>ant factors.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs3b0\">Determination of e<span class=\"_ _0\"></span>xpected life f<span class=\"_ _0\"></span>or re<span class=\"_ _0\"></span>volving f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b1\">For r<span class=\"_ _0\"></span>evolving pr<span class=\"_ _0\"></span>oducts, the expected life of<span class=\"_ _0\"></span> financial instruments is determined either <span class=\"_ _0\"></span>with refer<span class=\"_ _0\"></span>ence to the ne<span class=\"_ _0\"></span>xt renewal date </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b2\">or with r<span class=\"_ _0\"></span>efer<span class=\"_ _0\"></span>ence to the behaviour<span class=\"_ _0\"></span>al expected life of<span class=\"_ _0\"></span> the financial instrument estimated based on the empiric<span class=\"_ _0\"></span>al obser<span class=\"_ _2\"></span>vation of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b3\">the<span class=\"_ gs7d\"> </span>lifetime<span class=\"_ _0\"></span>. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs3b4\">W<span class=\"_ _0\"></span>rite-offs<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b5\">The Group writ<span class=\"_ _0\"></span>es off financial assets <span class=\"_ _0\"></span>when there is no r<span class=\"_ _0\"></span>easonable expectation of rec<span class=\"_ _0\"></span>overy<span class=\"_ _0\"></span>. The need f<span class=\"_ _0\"></span>or write-of<span class=\"_ _0\"></span>f of corpor<span class=\"_ _0\"></span>ate loans </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b6\">is assessed individually<span class=\"_ _d\"></span>, for mortgages and other<span class=\"_ _0\"></span> loans secured by<span class=\"_ _0\"></span> real estate<span class=\"_ _0\"></span>, the number of ov<span class=\"_ _0\"></span>erdue days after<span class=\"_ _0\"></span> which the balances </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b7\">are consider<span class=\"_ _0\"></span>ed to be irrec<span class=\"_ _0\"></span>overable and ar<span class=\"_ _0\"></span>e to be written of<span class=\"_ _0\"></span>f comprised 1,460 days, while other non-secur<span class=\"_ _0\"></span>ed portfolio is written-of<span class=\"_ _0\"></span>f </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b8\">after 150 day<span class=\"_ _0\"></span>s overdue. If<span class=\"_ _0\"></span> the amount to be written o<span class=\"_ _0\"></span>ff is greater<span class=\"_ _0\"></span> than the accumulated loan loss allowanc<span class=\"_ _0\"></span>e, the diff<span class=\"_ _0\"></span>erence is fir<span class=\"_ _0\"></span>st </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3b9\">treated as an ECL<span class=\"_ _0\"></span> expense. <span class=\"_ _0\"></span>Any sub<span class=\"_ _0\"></span>sequent recov<span class=\"_ _0\"></span>eries are credited <span class=\"_ _0\"></span>to ECL e<span class=\"_ _0\"></span>xpense.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs3ba\">Backtesting of ECL<span class=\"_ _0\"></span> calculation model<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3bb\">In order <span class=\"_ _0\"></span>to monitor the quality and r<span class=\"_ _0\"></span>eliability of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s ECL calculation model, <span class=\"_ _0\"></span>the Group periodically<span class=\"_ _0\"></span> performs backtesting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3bc\">and benchmarking procedur<span class=\"_ _0\"></span>es, whereb<span class=\"_ _0\"></span>y model outcomes ar<span class=\"_ _0\"></span>e compared <span class=\"_ _0\"></span>with actual results, based on internal experienc<span class=\"_ _0\"></span>e as well </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3bd\">as externally<span class=\"_ _0\"></span> observed results. For<span class=\"_ _0\"></span> PD, the Gr<span class=\"_ _0\"></span>oup uses statistical modelling to derive a pr<span class=\"_ _0\"></span>edicted distribution of the number of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3be\">defaults. <span class=\"_ _0\"></span>The observed number of def<span class=\"_ _0\"></span>aults is then compared <span class=\"_ _0\"></span>with this distribution, allowing the Gr<span class=\"_ _0\"></span>oup to derive a statistical level </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3bf\">of con<span class=\"_ _0\"></span>fidence in the model. For L<span class=\"_ _d\"></span>GD, the backtesting compar<span class=\"_ _0\"></span>es observed losses with predicted L<span class=\"_ _0\"></span>GDs. If any<span class=\"_ _0\"></span> statistically signific<span class=\"_ _0\"></span>ant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c0\">deviations or shortcomings in par<span class=\"_ _0\"></span>ameterisations are observed, the r<span class=\"_ _0\"></span>elevant models are r<span class=\"_ _0\"></span>edefined and rec<span class=\"_ _0\"></span>alibrated. An<span class=\"_ _0\"></span>y changes in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c1\">the model as a result of<span class=\"_ _0\"></span> backtesting procedur<span class=\"_ _0\"></span>es are accounted as change<span class=\"_ _0\"></span>s in accounting estimates with pr<span class=\"_ _0\"></span>ospective application.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs3c2\">Impact of climate-relat<span class=\"_ _0\"></span>ed risks on accounting judgements and es<span class=\"_ _0\"></span>timates<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c3\">Climate, and the impact of climate on <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s balanc<span class=\"_ _0\"></span>e sheet is considered as an ar<span class=\"_ _0\"></span>ea of accounting estimate and judgemen<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c4\">through the unc<span class=\"_ _0\"></span>ertainty of futur<span class=\"_ _0\"></span>e events and <span class=\"_ _0\"></span>the impact of that uncertainty on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s assets and liabilities. While the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c5\">eff<span class=\"_ _0\"></span>ects of climate change are a sour<span class=\"_ _0\"></span>ce of uncertainty<span class=\"_ _d\"></span>, as at 31 December 2023 management does not c<span class=\"_ _0\"></span>onsider climate to have </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c6\">a qualitatively<span class=\"_ _0\"></span> material impact on its financial statements. The Gr<span class=\"_ _0\"></span>oup has assessed the impact of climate risk on its financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c7\">statements as disclosed below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c8\">The estimated areas o<span class=\"_ _0\"></span>f impact<span class=\"_ _2\"></span>, limited to a qualitative assessment, wer<span class=\"_ _0\"></span>e expected credit loss and <span class=\"_ _0\"></span>the impact on lending por<span class=\"_ _2\"></span>tfolios </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3c9\">including physical risk on <span class=\"_ _0\"></span>the mortgage lending portfolio and f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward-looking c<span class=\"_ _0\"></span>ash flows that impact the rec<span class=\"_ _0\"></span>overability<span class=\"_ _0\"></span> of certain </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ca\">assets. T<span class=\"_ _d\"></span>ransition risk<span class=\"_ _0\"></span> is managed through re<span class=\"_ _0\"></span>views of clients by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s Risk function which includes an ongoing pr<span class=\"_ _0\"></span>ocess of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3cb\">identifying clients susceptible <span class=\"_ _0\"></span>to climate transition risks.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3cc\">The Group Climate Risk <span class=\"_ _0\"></span>team has performed a top-down qualitativ<span class=\"_ _0\"></span>e assessment of the impact of climate risk on <span class=\"_ _0\"></span>the IFRS 9 ECL </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3cd\">provision. <span class=\"_ _0\"></span>This assessment has mostly<span class=\"_ _0\"></span> been focused acr<span class=\"_ _0\"></span>oss corporate and mortgage portfolio<span class=\"_ _0\"></span>s. The portfolios identified as mos<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ce\">susceptible to climate risks <span class=\"_ _0\"></span>were identified as mining and quarrying, heavy metals and construction, the conc<span class=\"_ _0\"></span>entration of <span class=\"_ _0\"></span>which is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3cf\">not signfican<span class=\"_ _0\"></span>t for <span class=\"_ _0\"></span>the overall Gr<span class=\"_ _0\"></span>oup loan exposur<span class=\"_ _0\"></span>e. The assessment of<span class=\"_ _0\"></span> the portfolios is undertaken b<span class=\"_ _0\"></span>y considering <span class=\"_ _0\"></span>the maturity profile </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d0\">of the e<span class=\"_ _0\"></span>xposures which is r<span class=\"_ _0\"></span>elatively shorter <span class=\"_ _0\"></span>term compared to long-<span class=\"_ _0\"></span>term climate impact<span class=\"_ _2\"></span>. The abov<span class=\"_ _0\"></span>e assessment did not result in an<span class=\"_ _0\"></span>y </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d1\">material eff<span class=\"_ _0\"></span>ect on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws9c gs3d2\">While some indicators that ar<span class=\"_ _0\"></span>e more in<span class=\"_ _0\"></span>fluenced by climat<span class=\"_ _0\"></span>e change (e<span class=\"_ _0\"></span>.g. energy<span class=\"_ _0\"></span> prices) are f<span class=\"_ _0\"></span>actored into <span class=\"_ _0\"></span>the current PD models wher<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d3\">they<span class=\"_ _0\"></span> have demonstrated statistic<span class=\"_ _0\"></span>al relevance<span class=\"_ _0\"></span>, the Group curr<span class=\"_ _0\"></span>ently does not use a specific climate risk r<span class=\"_ _0\"></span>elated scenario in addition </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d4\">to the exis<span class=\"_ _0\"></span>ting economic scenarios applied to derive the <span class=\"_ _0\"></span>weighted-average ECL. The r<span class=\"_ _0\"></span>eason for<span class=\"_ _0\"></span> this is lack of sufficient his<span class=\"_ _0\"></span>torical </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d5\">data and limitations in the risk assessments. <span class=\"_ _0\"></span>Where climate f<span class=\"_ _0\"></span>actors have impacted the econom<span class=\"_ _0\"></span>y in the r<span class=\"_ _0\"></span>ecent past or pr<span class=\"_ _0\"></span>esent, these </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d6\">impacts are implicitly<span class=\"_ _0\"></span> embedded in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s IFRS 9 ECL models thr<span class=\"_ _0\"></span>ough the projected macr<span class=\"_ _0\"></span>oeconomic indicators (<span class=\"_ _d\"></span>e.g. inflation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d7\">rates<span class=\"_ _0\"></span>) and individual analysis of corporate loan r<span class=\"_ _0\"></span>elated cash flows. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d8\">It should also be noted that the Gr<span class=\"_ _0\"></span>oup is currently<span class=\"_ _0\"></span> working on a corpor<span class=\"_ _0\"></span>ate plan in respect of its r<span class=\"_ _0\"></span>esponse to climate risks, with the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3d9\">commitment to <span class=\"_ _0\"></span>transition away<span class=\"_ _0\"></span> or limit certain high carbon sector financing while in<span class=\"_ _0\"></span>troducing more gr<span class=\"_ _0\"></span>een finance products.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3da\">Based on the best inf<span class=\"_ _0\"></span>ormation available at the time <span class=\"_ _0\"></span>these consolidated annual financial statements w<span class=\"_ _0\"></span>ere prepar<span class=\"_ _0\"></span>ed, the Group sees </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3db\">no additional climate change risk having a substantial impact on its equity<span class=\"_ _d\"></span>, financial situation and results in 2024. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, as the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3dc\">matter is const<span class=\"_ _0\"></span>antly changing, the Gr<span class=\"_ _0\"></span>oup is working on developing methodologies <span class=\"_ _0\"></span>to better measur<span class=\"_ _0\"></span>e potential loan loss in line with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3dd\">the new management needs, best pr<span class=\"_ _0\"></span>actice and regulators<span class=\"_ _0\"></span>\u2019 requirements.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-773": {
   "value": "4.  Significant accoun<span class=\"_ _0\"></span>ting judgements and estimates<span class=\"_ _3e0\"> </span>Estimates in<span class=\"_ _0\"></span>volved in measur<span class=\"_ _0\"></span>ement of inv<span class=\"_ _0\"></span>estment properties, asse<span class=\"_ _0\"></span>ts held for sale and f<span class=\"_ _0\"></span>oreclosed as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span>Fair <span class=\"_ _0\"></span>values of investmen<span class=\"_ _0\"></span>t properties, assets held f<span class=\"_ _0\"></span>or sale and for<span class=\"_ _0\"></span>eclosed assets are determined b<span class=\"_ _0\"></span>y independent, prof<span class=\"_ _0\"></span>essionally qualified appraisers. F<span class=\"_ _0\"></span>air value is determined using a c<span class=\"_ _0\"></span>ombination of the internal capitalisation me<span class=\"_ _0\"></span>thod (also known as disc<span class=\"_ _0\"></span>ounted future c<span class=\"_ _0\"></span>ash flow method) and the sales c<span class=\"_ _0\"></span>omparison method.<span class=\"_ _3e0\"> </span>The Group perf<span class=\"_ _0\"></span>orms valuation of its inv<span class=\"_ _0\"></span>estment properties, assets held f<span class=\"_ _0\"></span>or sale and for<span class=\"_ _0\"></span>eclosed assets with a sufficien<span class=\"_ _0\"></span>t regularity to ensure <span class=\"_ _0\"></span>that the carrying amount does not differ<span class=\"_ _0\"></span> materially f<span class=\"_ _0\"></span>rom that which w<span class=\"_ _0\"></span>ould be determined using fair<span class=\"_ _0\"></span> value and respective measurement principles at <span class=\"_ _0\"></span>the end of the reporting period.<span class=\"_ _3e0\"> </span>The last valuation w<span class=\"_ _0\"></span>as performed in 2022. Results of this <span class=\"_ _0\"></span>valuation are pre<span class=\"_ _0\"></span>sented in Note 15, while valuation inputs and <span class=\"_ _0\"></span>techniques are pr<span class=\"_ _0\"></span>esented in Note 31. The Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s properties are spr<span class=\"_ _0\"></span>ead across the dif<span class=\"_ _0\"></span>ferent parts of<span class=\"_ _0\"></span> the country<span class=\"_ _0\"></span>. While the secondary mark<span class=\"_ _0\"></span>et in Georgia pr<span class=\"_ _0\"></span>ovides adequate market in<span class=\"_ _0\"></span>formation f<span class=\"_ _0\"></span>or f<span class=\"_ _0\"></span>air value measur<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> small and medium-sized properties; valuation of large pr<span class=\"_ _0\"></span>operties involves application o<span class=\"_ _0\"></span>f various observable and unobservable inputs to determine adjustments to <span class=\"_ _0\"></span>the available comparable sale pric<span class=\"_ _0\"></span>es. These estimates and assumptions ar<span class=\"_ _0\"></span>e based on the best available inf<span class=\"_ _0\"></span>ormation, however<span class=\"_ _5\"></span>, actual results could be diff<span class=\"_ _0\"></span>erent. Allowanc<span class=\"_ _0\"></span>e for financial assets IFRS 9 requir<span class=\"_ _0\"></span>es management to make a number<span class=\"_ _0\"></span> of judgements, assumptions and estimates based on management\u2019<span class=\"_ _d\"></span>s knowledge<span class=\"_ gs7d\"> </span>and historical experienc<span class=\"_ _0\"></span>e that aff<span class=\"_ _0\"></span>ect the allowance f<span class=\"_ _0\"></span>or ECL. A summary of the k<span class=\"_ _0\"></span>ey judgemen<span class=\"_ _0\"></span>ts made by managemen<span class=\"_ _0\"></span>t is set out below<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Definition of def<span class=\"_ _0\"></span>ault<span class=\"_ _2\"></span>, credit-impair<span class=\"_ _0\"></span>ed and cure (Note 30<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s definition of def<span class=\"_ _0\"></span>ault is based on quantitative and qualitative criteria. <span class=\"_ _0\"></span>The definition may dif<span class=\"_ _0\"></span>fer acr<span class=\"_ _0\"></span>oss products. The definition is consistent <span class=\"_ _0\"></span>with the definition used for<span class=\"_ _0\"></span> internal credit risk management purpo<span class=\"_ _0\"></span>ses and it corresponds with internal financial instrument risk classification r<span class=\"_ _0\"></span>ules. A counterparty<span class=\"_ _0\"></span> is classified as defaulted at the latest <span class=\"_ _0\"></span>when payments of inter<span class=\"_ _0\"></span>est<span class=\"_ _2\"></span>, principal or f<span class=\"_ _0\"></span>ees are over<span class=\"_ _0\"></span>due for<span class=\"_ _0\"></span> more than 90 days or<span class=\"_ _0\"></span> when bankruptcy<span class=\"_ _d\"></span>, fraud, insolv<span class=\"_ _0\"></span>ency proc<span class=\"_ _0\"></span>eedings of enf<span class=\"_ _0\"></span>orced liquidation have commenced, or <span class=\"_ _0\"></span>there is other evidenc<span class=\"_ _0\"></span>e that the payment obligations will not be <span class=\"_ _0\"></span>fully met. The det<span class=\"_ _0\"></span>ermination of whether a financial instrument is cr<span class=\"_ _0\"></span>edit-impaired f<span class=\"_ _0\"></span>ocuses on default risk, without taking in<span class=\"_ _0\"></span>to consideration the ef<span class=\"_ _0\"></span>fects of cr<span class=\"_ _0\"></span>edit risk mitigations such as collateral or<span class=\"_ _0\"></span> guarantees. An instrument is classified as cr<span class=\"_ _0\"></span>edit-impaired if the c<span class=\"_ _0\"></span>ounterparty is defaulted and/<span class=\"_ _5\"></span>or the instrument is POCI.<span class=\"_ _3e0\"> </span>Once the financial asse<span class=\"_ _0\"></span>t is classified as credit-impaired (<span class=\"_ _d\"></span>except <span class=\"_ _0\"></span>for POCIs) it r<span class=\"_ _0\"></span>emains as such unless all past due amounts have been rectified or <span class=\"_ _0\"></span>there is general evidenc<span class=\"_ _0\"></span>e of credit r<span class=\"_ _0\"></span>ecovery<span class=\"_ _d\"></span>. A minimum period of six consecutiv<span class=\"_ _0\"></span>e months\u2019 payment is applied as the exit criteria to financial assets r<span class=\"_ _0\"></span>estructured due t<span class=\"_ _0\"></span>o credit risk other <span class=\"_ _0\"></span>than corporate loan portfolio and deb<span class=\"_ _0\"></span>t instruments measured at FVOCI, wher<span class=\"_ _0\"></span>e exit criteria ar<span class=\"_ _0\"></span>e determined as an exit f<span class=\"_ _0\"></span>rom bankruptcy<span class=\"_ _0\"></span> or insolvency stat<span class=\"_ _0\"></span>us, disappearance of liquidity<span class=\"_ _0\"></span> problems or existence o<span class=\"_ _0\"></span>f other general e<span class=\"_ _0\"></span>vidence of credit r<span class=\"_ _0\"></span>ecovery assessed on individual basis. For o<span class=\"_ _0\"></span>ther credit-impair<span class=\"_ _0\"></span>ed financial instruments, the e<span class=\"_ _0\"></span>xit criteria is determined as repayment of<span class=\"_ _0\"></span> the entire ov<span class=\"_ _0\"></span>erdue amount other than through re<span class=\"_ _0\"></span>financing or foreclosur<span class=\"_ _0\"></span>e. Once a credit<span class=\"_ _0\"></span>-impaired financial asset meets <span class=\"_ _0\"></span>the default exit criteria, it r<span class=\"_ _0\"></span>emains in Stage 2 at least f<span class=\"_ _0\"></span>or the ne<span class=\"_ _0\"></span>xt 12 consecutive months. In case no def<span class=\"_ _0\"></span>ault status is assigned during the 12 consecutive months, it is <span class=\"_ _0\"></span>transf<span class=\"_ _0\"></span>erred to Stage 1 if its cr<span class=\"_ _0\"></span>edit risk is not significantly<span class=\"_ _0\"></span> higher than at origination date.<span class=\"_ _3e0\"> </span>Significant incr<span class=\"_ _0\"></span>ease in credit risk (SICR)<span class=\"_ _3e0\"> </span>SICR is not a defined term per<span class=\"_ _0\"></span> IFRS 9, and is de<span class=\"_ _0\"></span>termined by managemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, based on their e<span class=\"_ _0\"></span>xperience and judgement. In assessing whether the cr<span class=\"_ _0\"></span>edit risk has significantly<span class=\"_ _0\"></span> increased, the Gr<span class=\"_ _0\"></span>oup has identified a series of qualitative and quantitativ<span class=\"_ _0\"></span>e criteria based on undertaking the holistic analysis of v<span class=\"_ _0\"></span>arious factors including tho<span class=\"_ _0\"></span>se which are specific to a particular <span class=\"_ _0\"></span>financial instrument or to a borrower<span class=\"_ _0\"></span> as well as those applicable t<span class=\"_ _0\"></span>o particular sub-portfolios. These criteria ar<span class=\"_ _0\"></span>e:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>A significant incr<span class=\"_ _0\"></span>ease in credit risk, expr<span class=\"_ _0\"></span>essed in the relative and/<span class=\"_ _5\"></span>or absolute increase in <span class=\"_ _0\"></span>the risk of default sinc<span class=\"_ _0\"></span>e initial recognition. SICR is determined based on comparison between cr<span class=\"_ _0\"></span>edit risk ratings (internal or<span class=\"_ _0\"></span> external) as of <span class=\"_ _0\"></span>the origination date and credit risk ratings as of<span class=\"_ _0\"></span> the reporting date f<span class=\"_ _0\"></span>or each financial asset individually<span class=\"_ _d\"></span>. Thr<span class=\"_ _0\"></span>esholds are determined separ<span class=\"_ _0\"></span>ately f<span class=\"_ _0\"></span>or corpor<span class=\"_ _0\"></span>ate, retail, SME and o<span class=\"_ _0\"></span>ther financial instrument portf<span class=\"_ _0\"></span>olios, depending on initial grade assigned at origination. The <span class=\"_ _0\"></span>threshold applied depends on the original credit quality<span class=\"_ _0\"></span> of the borr<span class=\"_ _0\"></span>owers. Higher thr<span class=\"_ _0\"></span>eshold is set for<span class=\"_ _0\"></span> those instruments with a low<span class=\"_ _0\"></span> PD at origination. The table below summarises SICR <span class=\"_ _0\"></span>thresholds (the actual thr<span class=\"_ _0\"></span>esholds are applied on a more gr<span class=\"_ _0\"></span>anular level): <table class=\"s w3d6 h110\" id=\"_e80ff37e-48e2-49c3-ad7c-0ecb766380fa\"><tr><td></td><td></td><td></td><td class=\"t m1 x63b h77 y4c1d ffb fs1d fc1 sc0 ls0 wse4\">SICR threshold </td></tr><tr><td class=\"c n x1ca y4c1e w3d7 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Loan portfolio type<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63c y4c1e w3d8 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Rating type<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63d y4c1e w3d9 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Initial rating<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x620 h77 y4c1f ffb fs1d fc1 sc0 ls0 ws0\">(notches)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c20 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63e y4c20 wcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Internal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63f y4c20 w3db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">2-4+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ba y4c20 w3dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c21 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63e y4c21 wcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Internal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x640 y4c21 w3dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _0\"></span>7+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x641 y4c21 w3de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">1-5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c22 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x642 y4c22 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x643 y4c22 w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x644 y4c22 w3e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w3e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x645 y4bee w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x646 y4bee w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x647 y4bee w3e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x642 y4bef w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x643 y4bef w3e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _2\"></span>C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x648 y4bef w3e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa9 wsf6\">4<span class=\"_ _39\"></span>-10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x649 y4ac9 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64a y4ac9 w3e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-C<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64b y4ac9 w3e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans, Mortgage, Consumer<span class=\"_ _5\"></span>, Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64c y4aa3 w3e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">External<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64d y4aa3 w3eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D-E<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x64e y4aa3 w3de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">1-5<span class=\"_ _3e0\"> </span></div></td></tr></table>\u2022 <span class=\"_ _59\"> </span>Existence of f<span class=\"_ _0\"></span>orecast of<span class=\"_ _0\"></span> adverse changes in commercial, <span class=\"_ _0\"></span>financial or economic conditions that adver<span class=\"_ _0\"></span>sely aff<span class=\"_ _0\"></span>ect the creditworthiness of <span class=\"_ _0\"></span>the borrower<span class=\"_ _5\"></span>.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Modification of the con<span class=\"_ _0\"></span>tractual terms due to financial pr<span class=\"_ _0\"></span>oblems of the borr<span class=\"_ _0\"></span>ower other <span class=\"_ _0\"></span>than default.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>The days past due on individual contract le<span class=\"_ _0\"></span>vel breached the thr<span class=\"_ _0\"></span>eshold of 30 days.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>Other qualitative indicators, such as e<span class=\"_ _0\"></span>xternal market indic<span class=\"_ _0\"></span>ators of credit risk or<span class=\"_ _0\"></span> general economic conditions, <span class=\"_ _0\"></span>which indicate that the level of risk<span class=\"_ _0\"></span> has increased significantly<span class=\"_ _0\"></span> since origination.<span class=\"_ _3e0\"> </span>The above noted SICR indic<span class=\"_ _0\"></span>ators are identified at the <span class=\"_ _0\"></span>financial instrument level in or<span class=\"_ _0\"></span>der to tr<span class=\"_ _0\"></span>ack changes in credit risk since <span class=\"_ _0\"></span>the initial recognition date<span class=\"_ _0\"></span>. Measurement o<span class=\"_ _0\"></span>f ECLs<span class=\"_ _3e0\"> </span>ECL r<span class=\"_ _0\"></span>eflects an unbiased, probability-w<span class=\"_ _0\"></span>eighted estimate based on a combination of the <span class=\"_ _0\"></span>following principal f<span class=\"_ _0\"></span>actors: PD, loss giv<span class=\"_ _0\"></span>en default (L<span class=\"_ _d\"></span>GD), and exposure at def<span class=\"_ _0\"></span>ault (EAD), which are <span class=\"_ _0\"></span>further explained below: PD estimation: The Gr<span class=\"_ _0\"></span>oup estimates PD based on a combination of r<span class=\"_ _0\"></span>ating model calibration r<span class=\"_ _0\"></span>esults and a migration matrices approach which is <span class=\"_ _0\"></span>further adjusted f<span class=\"_ _0\"></span>or macroeconomic e<span class=\"_ _0\"></span>xpectations for a minimum <span class=\"_ _0\"></span>three y<span class=\"_ _0\"></span>ears onwards <span class=\"_ _0\"></span>for all portf<span class=\"_ _0\"></span>olios, to repr<span class=\"_ _0\"></span>esent the f<span class=\"_ _0\"></span>orward-looking estimators of <span class=\"_ _0\"></span>the PD parameters. <span class=\"_ _0\"></span>The migration matrix is built in a way<span class=\"_ _0\"></span> to r<span class=\"_ _0\"></span>eflect the weighted average <span class=\"_ _0\"></span>yearly<span class=\"_ _0\"></span> migration over <span class=\"_ _0\"></span>the historical data period. The risk gr<span class=\"_ _0\"></span>oups are determined in a <span class=\"_ _0\"></span>way to ensur<span class=\"_ _0\"></span>e intra-gr<span class=\"_ _0\"></span>oup homogeneity and diff<span class=\"_ _0\"></span>erentiation of e<span class=\"_ _0\"></span>xpected PD levels. For<span class=\"_ _0\"></span> loan portfolios other than c<span class=\"_ _0\"></span>orporate loans, PD is further adjusted c<span class=\"_ _0\"></span>onsidering the time since financial instrument origination. <span class=\"_ _0\"></span>The models incorporat<span class=\"_ _0\"></span>e both qualitative and quantitative in<span class=\"_ _0\"></span>formation and, wher<span class=\"_ _0\"></span>e practical, build on inf<span class=\"_ _0\"></span>ormation from <span class=\"_ _0\"></span>top rating agencies, Cr<span class=\"_ _0\"></span>edit Bureau or internal cr<span class=\"_ _0\"></span>edit rating systems. Since S<span class=\"_ _0\"></span>tage 3 financial instruments are def<span class=\"_ _0\"></span>aulted, the PD in this case is equal <span class=\"_ _0\"></span>to 100%.<span class=\"_ _3e0\"> </span>EAD: The EAD r<span class=\"_ _0\"></span>epresents an estimate of<span class=\"_ _0\"></span> the exposur<span class=\"_ _0\"></span>e to credit risk at the <span class=\"_ _0\"></span>time of a potential def<span class=\"_ _0\"></span>ault occurring during the life o<span class=\"_ _0\"></span>f a financial asset. It represen<span class=\"_ _0\"></span>ts the cash flows outstanding at the <span class=\"_ _0\"></span>time of default, considering e<span class=\"_ _0\"></span>xpected repayments, inter<span class=\"_ _0\"></span>est payments and accruals discounted at <span class=\"_ _0\"></span>the EIR. T<span class=\"_ _5\"></span>o calculate EAD for a S<span class=\"_ _0\"></span>tage 1 financial instrument, the Group assesses the possible de<span class=\"_ _0\"></span>fault events <span class=\"_ _0\"></span>within 12 months for <span class=\"_ _0\"></span>the calculation of the 12 months ECL. For S<span class=\"_ _0\"></span>tage 2 and POCI financial instruments, the EAD is consider<span class=\"_ _0\"></span>ed for<span class=\"_ _0\"></span> events over<span class=\"_ _0\"></span> the lifetime of <span class=\"_ _0\"></span>the instruments. The Gr<span class=\"_ _0\"></span>oup determines EAD diff<span class=\"_ _0\"></span>erently<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> products with repayment schedules and those without repaymen<span class=\"_ _0\"></span>t schedules. For financial instrumen<span class=\"_ _0\"></span>ts with repayment schedules, <span class=\"_ _0\"></span>the Group estimates f<span class=\"_ _0\"></span>orward-looking EAD using the contr<span class=\"_ _0\"></span>actual cash flow appr<span class=\"_ _0\"></span>oach with further corr<span class=\"_ _0\"></span>ections for e<span class=\"_ _0\"></span>xpected prepayments and ov<span class=\"_ _0\"></span>erdue days. For<span class=\"_ _0\"></span> products without the repaymen<span class=\"_ _0\"></span>t schedules such as credit car<span class=\"_ _0\"></span>ds, credit lines and financial guar<span class=\"_ _0\"></span>antees, the Group estimates <span class=\"_ _0\"></span>the forward-<span class=\"_ _3e0\"> </span>looking EAD using the limit utilisation approach. Under<span class=\"_ _0\"></span> the above appr<span class=\"_ _0\"></span>oach EAD is calculated using the expected utilisation r<span class=\"_ _0\"></span>ate based on historical data of actual dr<span class=\"_ _0\"></span>aw-down amounts.<span class=\"_ _3e0\"> </span>LG<span class=\"_ _2\"></span>D<span class=\"_ _3e0\"> </span>: L<span class=\"_ _0\"></span>GD is defined as the likely<span class=\"_ _0\"></span> loss in case of a coun<span class=\"_ _0\"></span>terpart<span class=\"_ _2\"></span>y def<span class=\"_ _0\"></span>ault. It provides an estimation of the e<span class=\"_ _0\"></span>xposure that c<span class=\"_ _0\"></span>annot be reco<span class=\"_ _0\"></span>vered in a def<span class=\"_ _0\"></span>ault event and ther<span class=\"_ _0\"></span>efor<span class=\"_ _0\"></span>e captures <span class=\"_ _0\"></span>the severity of a loss. <span class=\"_ _0\"></span>The determination of the L<span class=\"_ _d\"></span>GD takes into acc<span class=\"_ _0\"></span>ount expected f<span class=\"_ _0\"></span>uture cash flows <span class=\"_ _0\"></span>from collater<span class=\"_ _0\"></span>al and other cr<span class=\"_ _0\"></span>edit enhancements, or expected pay<span class=\"_ _0\"></span>outs from bankr<span class=\"_ _0\"></span>uptcy proc<span class=\"_ _0\"></span>eedings for unsecured claims, and wher<span class=\"_ _0\"></span>e applicable, time <span class=\"_ _0\"></span>to realisation of collater<span class=\"_ _0\"></span>al and the seniority of<span class=\"_ _0\"></span> claims. The Group segments its <span class=\"_ _0\"></span>financial instruments into homogeneous portf<span class=\"_ _0\"></span>olios, based on key<span class=\"_ _0\"></span> characteristics that ar<span class=\"_ _0\"></span>e relev<span class=\"_ _0\"></span>ant to the estimation of <span class=\"_ _0\"></span>future cash flo<span class=\"_ _0\"></span>ws. The applied data is based on historically<span class=\"_ _0\"></span> collected loss data and involves a <span class=\"_ _0\"></span>wider set of tr<span class=\"_ _0\"></span>ansaction characteristics (<span class=\"_ _0\"></span>e.g. product type, wider range o<span class=\"_ _0\"></span>f collateral types<span class=\"_ _0\"></span>). Based on this information, <span class=\"_ _0\"></span>the Group estimates the r<span class=\"_ _0\"></span>ecovery r<span class=\"_ _0\"></span>ate (o<span class=\"_ _0\"></span>ther than through c<span class=\"_ _0\"></span>ollateral), cure r<span class=\"_ _0\"></span>ate and probability o<span class=\"_ _0\"></span>f re-def<span class=\"_ _0\"></span>ault<span class=\"_ _2\"></span>. Recov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>y thr<span class=\"_ _0\"></span>ough collateral is <span class=\"_ _0\"></span>further considered in L<span class=\"_ _0\"></span>GD calculations individually<span class=\"_ _0\"></span> for each financial instrument.<span class=\"_ _3e0\"> </span>Assets consider<span class=\"_ _0\"></span>ed in the ECL c<span class=\"_ _0\"></span>alculations<span class=\"_ _3e0\"> </span>IFRS 9 requir<span class=\"_ _0\"></span>es cash flows e<span class=\"_ _0\"></span>xpected from collat<span class=\"_ _0\"></span>eral and other cr<span class=\"_ _0\"></span>edit enhancements to be r<span class=\"_ _0\"></span>eflected in the ECL calculation. <span class=\"_ _0\"></span>The treatment and r<span class=\"_ _0\"></span>eflection of collater<span class=\"_ _0\"></span>al for IFRS 9 purpose<span class=\"_ _0\"></span>s is in line with general risk management principles, policies and pr<span class=\"_ _0\"></span>ocesses of the Gr<span class=\"_ _0\"></span>oup. Collateral, unless r<span class=\"_ _0\"></span>epossessed, is not rec<span class=\"_ _0\"></span>orded on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s statement of financial position. The <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of collateral af<span class=\"_ _0\"></span>fects the calculation o<span class=\"_ _0\"></span>f ECLs. It is generally<span class=\"_ _0\"></span> assessed at inception and reassessed on an annual basis <span class=\"_ _0\"></span>for all material exposur<span class=\"_ _0\"></span>es.<span class=\"_ _3e0\"> </span>Management Overlay<span class=\"_ _0\"></span>s and improv<span class=\"_ _0\"></span>ements to the ECL me<span class=\"_ _0\"></span>thodology In prior periods the Gr<span class=\"_ _0\"></span>oup applied a number of management ov<span class=\"_ _0\"></span>erlays to the existing E<span class=\"_ _0\"></span>CL methodology<span class=\"_ _0\"></span> due to the unprec<span class=\"_ _0\"></span>edented nature of<span class=\"_ _0\"></span> the COVID-<span class=\"_ _d\"></span>19 pandemic and the uncertainties associated with it. Such overlays relat<span class=\"_ _0\"></span>ed to staging of CO<span class=\"_ _0\"></span>VID-<span class=\"_ _0\"></span>19 restructur<span class=\"_ _0\"></span>ed loans as well as cure and r<span class=\"_ _0\"></span>ecovery r<span class=\"_ _0\"></span>ates. Given a reasonable time has passed <span class=\"_ _0\"></span>for the st<span class=\"_ _0\"></span>atistics to properly<span class=\"_ _0\"></span> reflect the eff<span class=\"_ _0\"></span>ects of COVID-<span class=\"_ _d\"></span>19<span class=\"_ _0\"></span>, the Group decided to r<span class=\"_ _0\"></span>emove respective managemen<span class=\"_ _0\"></span>t overlays which positively<span class=\"_ _0\"></span> aff<span class=\"_ _0\"></span>ected overall ECL<span class=\"_ _0\"></span> of the Group. In addition, managemen<span class=\"_ _0\"></span>t re-estimated collater<span class=\"_ _0\"></span>al realisation period f<span class=\"_ _0\"></span>or L<span class=\"_ _0\"></span>GD calculations resulting in an incr<span class=\"_ _0\"></span>ease of ECL. This together with <span class=\"_ _0\"></span>the removal of<span class=\"_ _0\"></span> management overlays and other minor<span class=\"_ _0\"></span> improvements <span class=\"_ _0\"></span>to the methodology r<span class=\"_ _0\"></span>esulted in the decrease o<span class=\"_ _0\"></span>f ECL b<span class=\"_ _0\"></span>y GEL<span class=\"_ _0\"></span> 21.4 million for <span class=\"_ _0\"></span>the Group in 2022.<span class=\"_ _3e0\"> </span>Forwar<span class=\"_ _0\"></span>d-looking information<span class=\"_ _3e0\"> </span>Under IFRS 9<span class=\"_ _d\"></span>, the allowance for<span class=\"_ _0\"></span> expected credit losses is based on r<span class=\"_ _0\"></span>easonable and supportable forwar<span class=\"_ _0\"></span>d-looking information obtainable without undue cost or<span class=\"_ _0\"></span> effort, which tak<span class=\"_ _0\"></span>es into consideration past e<span class=\"_ _0\"></span>vents, current c<span class=\"_ _0\"></span>onditions and for<span class=\"_ _0\"></span>ecasts of futur<span class=\"_ _0\"></span>e economic conditions.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>o incorporate <span class=\"_ _0\"></span>forward-looking in<span class=\"_ _0\"></span>formation into the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s allowance f<span class=\"_ _0\"></span>or expected credit losse<span class=\"_ _0\"></span>s, the Group uses the macroeconomic <span class=\"_ _0\"></span>forec<span class=\"_ _0\"></span>asts provided b<span class=\"_ _0\"></span>y the NBG f<span class=\"_ _0\"></span>or Group c<span class=\"_ _0\"></span>ompanies operating in Georgia, <span class=\"_ _0\"></span>while data used by Belarusky<span class=\"_ _0\"></span> Narodn<span class=\"_ _0\"></span>y Bank (BNB) is pro<span class=\"_ _0\"></span>vided by a non-go<span class=\"_ _0\"></span>vernmental resear<span class=\"_ _0\"></span>ch centre oper<span class=\"_ _0\"></span>ating in Belarus. Macroeconomic <span class=\"_ _0\"></span>variables cover<span class=\"_ _0\"></span>ed by <span class=\"_ _0\"></span>these for<span class=\"_ _0\"></span>ecasts and which the Gr<span class=\"_ _0\"></span>oup incorporated in its ECL<span class=\"_ _0\"></span> assessment model include GDP gro<span class=\"_ _0\"></span>wth, foreign e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate and inflation rate<span class=\"_ _0\"></span>. These f<span class=\"_ _0\"></span>orward-looking macroeconomic <span class=\"_ _0\"></span>variables are gener<span class=\"_ _0\"></span>ally updated on a semi-annual basis f<span class=\"_ _0\"></span>or Georgian companies and on a quarterly basis f<span class=\"_ _0\"></span>or BNB.<span class=\"_ _3e0\"> </span>The determination of the pr<span class=\"_ _0\"></span>obability-weighted ECL<span class=\"_ _0\"></span> requir<span class=\"_ _0\"></span>es evaluating a range o<span class=\"_ _0\"></span>f diverse and rele<span class=\"_ _0\"></span>vant futur<span class=\"_ _0\"></span>e economic conditions. T<span class=\"_ _d\"></span>o accommodate this r<span class=\"_ _0\"></span>equirement, the Group uses <span class=\"_ _0\"></span>three diff<span class=\"_ _0\"></span>erent economic sc<span class=\"_ _0\"></span>enarios in the ECL c<span class=\"_ _0\"></span>alculation: an upside (weight 0.25), a base case (weigh<span class=\"_ _0\"></span>t 0.50) and a do<span class=\"_ _0\"></span>wnside (weight 0.25) scenario r<span class=\"_ _0\"></span>elevant f<span class=\"_ _0\"></span>or each respective portf<span class=\"_ _0\"></span>olio. A<span class=\"_ _0\"></span> weight is calculated for<span class=\"_ _0\"></span> each scenario by<span class=\"_ _0\"></span> using a probabilistic economic model that consider<span class=\"_ _0\"></span>s recent in<span class=\"_ _0\"></span>formation as well as historic<span class=\"_ _0\"></span>al data provided by<span class=\"_ _0\"></span> the NBG. The Group consider<span class=\"_ _0\"></span>s these for<span class=\"_ _0\"></span>ecasts to r<span class=\"_ _0\"></span>epresent its best estimate of<span class=\"_ _0\"></span> the possible outcomes, based on reliable av<span class=\"_ _0\"></span>ailable information.<span class=\"_ _3e0\"> </span>Forwar<span class=\"_ _0\"></span>d-looking variable assumptions<span class=\"_ _3e0\"> </span>The most significant period end assumptions used <span class=\"_ _0\"></span>for ECL<span class=\"_ _0\"></span> estimate as at 31 December 2023 per<span class=\"_ _0\"></span> geographical segments ar<span class=\"_ _0\"></span>e set out below<span class=\"_ _0\"></span>. The scenarios \u2018base<span class=\"_ _0\"></span>\u2019<span class=\"_ _5\"></span>, \u2018upside\u2019 and \u2018<span class=\"_ _d\"></span>downside\u2019 w<span class=\"_ _0\"></span>ere used f<span class=\"_ _0\"></span>or all portfolios.<span class=\"_ _3e0\"> </span>Georgia<span class=\"_ _3e0\"> </span><table class=\"s w3ec h111\" id=\"_0879fe86-5e82-4f64-8f05-432ac871b09a\"><tr><td></td><td class=\"t m1 x64f h77 y4c23 ffb fs1d fc1 sc0 lsab wsf8\">ECL </td><td class=\"t m1 x650 h77 y4c23 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x651 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td class=\"t m1 x652 h77 y4c25 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x653 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td class=\"t m1 x562 h77 y4c25 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td class=\"t m1 x654 h77 y4c24 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x655 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">scenario<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x656 h77 y4c26 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x657 y4c27 w3ed h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2024<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x658 y4c27 w3ee h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x659 y4c27 w3ef h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2026</div></td><td class=\"t m1 x4ea h77 y4c28 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x65a y4c27 w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65b y4c27 w3f1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65c y4c27 w3f2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2025</div></td><td class=\"t m1 x4b2 h77 y4c28 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x65d y4c27 w3f3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65e y4c27 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x65f y4c27 w3f4 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>024<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c29 ffb fs1 fc1 sc0 ls0 ws0\">GDP growth in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x660 y4c2a w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x661 y4c2a w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x662 y4c2a w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x663 y4c2a w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x664 y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x665 y4c2a w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x666 y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x667 y4c2a w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x668 y4c2a w3fb h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.<span class=\"_ _0\"></span>00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x669 y4c2a w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66a y4c2a w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66b y4c2a w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66c y4c2a w3fd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c2b w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c2b w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66f y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x670 y4c2b w3fd h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x671 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x672 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x673 y4c2b w401 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x674 y4c2b w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x675 y4c2b w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x676 y4c2b w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x677 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x678 y4c2b w404 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x679 y4c2b w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.50%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x67a y4c2c w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67b y4c2c w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67c y4c2c w407 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67d y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67e y4c2c w408 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67f y4c2c w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x680 y4c2c w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x681 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x682 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x683 y4c2c w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x684 y4c2c w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x685 y4c2c w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x686 y4c2c w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c2d ffb fs1 fc1 sc0 ls0 ws0\">GEL/US$ exchange r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></td><td class=\"c n x687 y4c2e w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x688 y4c2e w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x689 y4c2e w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68a y4c2e w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68b y4c2e w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68c y4c2e w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68d y4c2e w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68e y4c2e w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x68f y4c2e w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x690 y4c2e w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x691 y4c2e w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x692 y4c2e w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x693 y4c2e w409 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c2f w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c2f w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x694 y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x695 y4c2f w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x696 y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x697 y4c2f w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x698 y4c2f w32e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x699 y4c2f w40d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69a y4c2f w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x676 y4c2f w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69b y4c2f w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69c y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69d y4c2f w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.0<span class=\"_ _2\"></span>0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x67a y4c30 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x67b y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69e y4c30 w40e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls63 ws96\">-15.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x69f y4c30 w40c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a0 y4c30 w408 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a1 y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a2 y4c30 w40f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls63 ws96\">-<span class=\"_ _d\"></span>15.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a3 y4c30 w3fa h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a4 y4c30 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a5 y4c30 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a6 y4c30 w410 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a7 y4c30 w40a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a8 y4c30 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c31 ffb fs1 fc1 sc0 ls0 ws0\" colspan=\"2\">CPI inflation rate in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x687 y4c32 w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x688 y4c32 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6a9 y4c32 w411 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6aa y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ab y4c32 w407 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ac y4c32 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ad y4c32 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ae y4c32 w412 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6af y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b0 y4c32 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b1 y4c32 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b2 y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b3 y4c32 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4c33 w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x66e y4c33 w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b4 y4c33 w413 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b5 y4c33 w414 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b6 y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b7 y4c33 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b8 y4c33 w415 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6b9 y4c33 w414 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ba y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bb y4c33 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bc y4c33 w416 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bd y4c33 w417 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6be y4c33 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x66d y4aa3 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6bf y4aa3 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c0 y4aa3 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c1 y4aa3 w418 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c2 y4aa3 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c3 y4aa3 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c4 y4aa3 w419 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c5 y4aa3 w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">6.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c6 y4aa3 w40b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c7 y4aa3 w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c8 y4aa3 w41a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">8.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6c9 y4aa3 w404 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ca y4aa3 w412 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.00%<span class=\"_ _3e0\"> </span></div></td></tr></table>Belarus<span class=\"_ _3e0\"> </span><table class=\"s w41b h112\" id=\"_f563ff05-e214-47f2-ba30-1acf4c1aad5b\"><tr><td></td><td class=\"t m1 x6cb h77 y4c34 ffb fs1d fc1 sc0 lsab wsf8\">ECL </td><td class=\"t m1 x6cc h77 y4c34 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x2f2 h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4c36 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x6ce h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cf h77 y4c36 ffb fs1d fc1 sc0 ls0 ws0\">Assigned </td><td></td><td class=\"t m1 x6d0 h77 y4c35 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6d1 h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">scenario<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fd h77 y4c37 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d2 y4c27 w3ed hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2024<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d3 y4c27 w3ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2025</div></td><td class=\"t m1 x6d4 h77 y4c38 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d5 y4c27 w41c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d6 y4c27 w3f1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>4</div></td><td class=\"t m1 x6d7 h77 y4c38 ffb fs1d fc1 sc0 ls0 ws0\">weight<span class=\"_ _3e0\"> </span></td><td class=\"c n x6d8 y4c27 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6d9 y4c27 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c39 ffb fs1 fc1 sc0 ls0 ws0\">GDP growth in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c3a w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c3a w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6db y4c3a w41f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.77%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6dc y4c3a w420 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>13%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6dd y4c3a w421 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6de y4c3a w422 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.6<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6df y4c3a w423 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.26%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e0 y4c3a w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e1 y4c3a w424 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e2 y4c3a w425 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">5.01%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c2b w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e5 y4c2b w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.95%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e6 y4c2b w427 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">0.49%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e7 y4c2b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e8 y4c2b w428 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e9 y4c2b w3f8 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ea y4c2b w403 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6eb y4c2b w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ec y4c2b w429 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.24%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c3b w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4c3b w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ee y4c3b w42a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>14%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ef y4c3b w42b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-2.<span class=\"_ _d\"></span>15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f0 y4c3b w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f1 y4c3b w42c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-2.05%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f2 y4c3b w32f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-3.26%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f3 y4c3b w3fc h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f4 y4c3b w40 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>1.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f5 y4c3b w42d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>2.52%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c3c ffb fs1 fc1 sc0 ls0 ws0\">BYN/US$ e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c3d w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c3d w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f6 y4c3d w3f7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f7 y4c3d w42e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.62%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f8 y4c3d w42f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6f9 y4c3d w430 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls4d ws7a\">0.7<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fa y4c3d w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fb y4c3d w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fc y4c3d w402 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fd y4c3d w431 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.52%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c3e w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6fe y4c3e w432 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ff y4c3e w433 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x700 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x701 y4c3e w434 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.53%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x702 y4c3e w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x703 y4c3e w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x704 y4c3e w422 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.4<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x705 y4c3e w435 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.37%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c30 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4c30 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x706 y4c30 w436 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x707 y4c30 w437 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.77%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x708 y4c30 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x709 y4c30 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70a y4c30 w438 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls2b ws54\">2<span class=\"_ _2\"></span>.41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70b y4c30 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70c y4c30 w405 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">4.05%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70d y4c30 w439 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>98%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h4 y4c3f ffb fs1 fc1 sc0 ls0 ws0\">CPI inflation rate in %<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4c32 w3f5 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6da y4c32 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70e y4c32 w43a h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x70f y4c32 w2e7 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.52%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x710 y4c32 w421 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x711 y4c32 w43b h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x712 y4c32 w43c h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x713 y4c32 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x714 y4c32 w43d h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">-0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x715 y4c32 w43e h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">-0.85%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4c40 w3fe h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6e4 y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x716 y4c40 w43f h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>94%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x717 y4c40 w440 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x718 y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x719 y4c40 w441 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">2.20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71a y4c40 w426 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71b y4c40 w400 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71c y4c40 w442 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71d y4c40 w443 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">1.38%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e3 y4aa3 w406 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x6ed y4aa3 w3f9 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71e y4aa3 w444 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.86%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x71f y4aa3 w445 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls36 ws64\">4.0<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x720 y4aa3 w3ff h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x721 y4aa3 w446 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x722 y4aa3 w440 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls4d ws7a\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x723 y4aa3 w3f6 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x724 y4aa3 w447 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.63%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x725 y4aa3 w448 h104\"><div class=\"t m1 x1c5 h4 y4b56 ff2 fs1 fc1 sc0 ls0 ws0\">3.4<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td></tr></table>All other par<span class=\"_ _0\"></span>ameters held constant, increase in GDP gr<span class=\"_ _0\"></span>owth and decrease in f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change rate and in<span class=\"_ _0\"></span>flation would result in a decrease in ECL, with opposite changes resulting in E<span class=\"_ _0\"></span>CL increase<span class=\"_ _0\"></span>. GDP growth input has the most significant impact on ECL, follow<span class=\"_ _0\"></span>ed by <span class=\"_ _0\"></span>foreign e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate and inflation. Retail portf<span class=\"_ _0\"></span>olio ECL is less af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change rate inputs due to lar<span class=\"_ _0\"></span>ger share of GEL<span class=\"_ _d\"></span>-denominated exposur<span class=\"_ _0\"></span>es. However<span class=\"_ _d\"></span>, re<span class=\"_ _0\"></span>tail portfolio ECL is af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> inflation, which does no<span class=\"_ _0\"></span>t have a significant impact on corporate ECL.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws the sensitivity of the r<span class=\"_ _0\"></span>ecognised ECL<span class=\"_ _0\"></span> amounts to the f<span class=\"_ _0\"></span>orward-looking assumptions used in the model. F<span class=\"_ _0\"></span>or these purposes, 100% weight is assigned <span class=\"_ _0\"></span>to each macroeconomic scenario separ<span class=\"_ _0\"></span>ately and r<span class=\"_ _0\"></span>espective ECL is r<span class=\"_ _0\"></span>ecalculated. Sensitivity of ECL<span class=\"_ _0\"></span> to f<span class=\"_ _0\"></span>orward-looking assumptions:<span class=\"_ _3e0\"> </span>Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span><table class=\"s w449 h113\" id=\"_5ae81222-0083-4213-8400-a176a9cc7383\"><tr><td></td><td></td><td class=\"t m1 x726 h77 y4c41 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c42 ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c43 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c44 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c44 ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72c y4c46 w44d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72d y4c46 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72e y4c46 w44f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.37%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72f y4c46 w450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.40%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x730 y4c46 w451 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.4<span class=\"_ _2\"></span>4%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x731 y4bee w453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x732 y4bee w454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x733 y4bee w455 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.<span class=\"_ _2\"></span>49%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x734 y4bee w456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x735 y4bee w450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.51%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4bef w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x737 y4bef w457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x738 y4bef w458 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>74%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x739 y4bef w457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73a y4bef w459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.78%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73b y4bf8 w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73c y4bf8 w45b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4bf8 w45c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>75%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73e y4bf8 w45d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4bf8 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.86%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x740 y4aa3 w45f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x741 y4aa3 w460 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x742 y4aa3 w461 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x743 y4aa3 w461 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4aa3 w462 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td></tr></table>Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span><table class=\"s w463 h114\" id=\"_927b838e-060d-4396-8249-3035edf5472e\"><tr><td></td><td></td><td class=\"t m1 x726 h77 y4c47 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c48 ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c49 ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c4a ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c4a ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x745 y4c46 w464 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x746 y4c46 w465 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x747 y4c46 w466 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x748 y4c46 w337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>70%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x749 y4c46 w467 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.81%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74a y4bee w468 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74b y4bee w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74c y4bee w46a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _39\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74d y4bee w46b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74e y4bee w46c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>73%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74f y4bef w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x750 y4bef w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x751 y4bef w46f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.61%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x752 y4bef w470 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x753 y4bef w471 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.7<span class=\"_ _0\"></span>0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x754 y4bf8 w472 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4bf8 w473 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x756 y4bf8 w474 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>70%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x757 y4bf8 w475 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _0\"></span>74%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x758 y4bf8 w476 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.84%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x759 y4aa3 w477 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75a y4aa3 w478 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75b y4aa3 w479 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75c y4aa3 w47a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75d y4aa3 w478 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td></tr></table>Ke<span class=\"_ _0\"></span>y driver<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span><table class=\"s w463 h114\" id=\"_2ec42053-4817-4af3-b34e-c3105a22e349\"><tr><td></td><td></td><td class=\"t m1 x75e h77 y4c4b ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x727 h77 y4c4c ffb fs1d fc1 sc0 ls0 ws0\">ECL co<span class=\"_ _0\"></span>verage b<span class=\"_ _0\"></span>y scenarios<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x4e6 h77 y4c4d ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x728 h77 y4c4e ffb fs1d fc1 sc0 ls0 ws0\">Reported ECL<span class=\"_ _0\"></span> </td><td class=\"t m1 x516 h77 y4c4e ffb fs1d fc1 sc0 ls0 ws0\">cover<span class=\"_ _0\"></span>age </td><td class=\"c n x729 y4c45 w44a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Upside<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72a y4c45 w44b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Base case<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72b y4c45 w44c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Downside<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c46 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x75f y4c46 w47b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _d\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x760 y4c46 w47c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4c46 w47d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x762 y4c46 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.84%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x763 y4c46 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.86%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bee w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x764 y4bee w47e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x765 y4bee w47f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x766 y4bee w480 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x767 y4bee w481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.81%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x768 y4bee w482 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.85%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x769 y4bef w483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74,<span class=\"_ _39\"></span>44<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76a y4bef w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>99%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76b y4bef w485 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76c y4bef w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>96%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76d y4bef w486 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76e y4bf8 w487 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76f y4bf8 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x770 y4bf8 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.46%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x771 y4bf8 w489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.54%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x772 y4bf8 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">4<span class=\"_ _39\"></span>.70%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x773 y4aa3 w48b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x774 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x775 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x776 y4aa3 w48d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x777 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.26%<span class=\"_ _3e0\"> </span></div></td></tr></table>Aggr<span class=\"_ _0\"></span>egation of financial instruments f<span class=\"_ _0\"></span>or collective assessmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of a collective evaluation of<span class=\"_ _0\"></span> impairment, financial instruments are gr<span class=\"_ _0\"></span>ouped within homogeneous pools as follows: corporate loan portf<span class=\"_ _0\"></span>olio is grouped on the basis o<span class=\"_ _0\"></span>f loan repayment sour<span class=\"_ _0\"></span>ce type; and retail loan portf<span class=\"_ _0\"></span>olio is grouped on the basis of credit risk char<span class=\"_ _0\"></span>acteristics such as an asset type, collater<span class=\"_ _0\"></span>alisation level, repayment sour<span class=\"_ _0\"></span>ce type and other r<span class=\"_ _0\"></span>elevant f<span class=\"_ _0\"></span>actors. As f<span class=\"_ _0\"></span>or SME and micro loan portf<span class=\"_ _0\"></span>olios, financial instruments are gr<span class=\"_ _0\"></span>ouped based on asset type, over<span class=\"_ _0\"></span>due buckets, c<span class=\"_ _0\"></span>ollateralisation level and other<span class=\"_ _0\"></span> relev<span class=\"_ _0\"></span>ant factors.<span class=\"_ _3e0\"> </span>Determination of e<span class=\"_ _0\"></span>xpected life f<span class=\"_ _0\"></span>or re<span class=\"_ _0\"></span>volving f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span>For r<span class=\"_ _0\"></span>evolving pr<span class=\"_ _0\"></span>oducts, the expected life of<span class=\"_ _0\"></span> financial instruments is determined either <span class=\"_ _0\"></span>with refer<span class=\"_ _0\"></span>ence to the ne<span class=\"_ _0\"></span>xt renewal date or with r<span class=\"_ _0\"></span>efer<span class=\"_ _0\"></span>ence to the behaviour<span class=\"_ _0\"></span>al expected life of<span class=\"_ _0\"></span> the financial instrument estimated based on the empiric<span class=\"_ _0\"></span>al obser<span class=\"_ _2\"></span>vation of the<span class=\"_ gs7d\"> </span>lifetime<span class=\"_ _0\"></span>. W<span class=\"_ _0\"></span>rite-offs<span class=\"_ _3e0\"> </span>The Group writ<span class=\"_ _0\"></span>es off financial assets <span class=\"_ _0\"></span>when there is no r<span class=\"_ _0\"></span>easonable expectation of rec<span class=\"_ _0\"></span>overy<span class=\"_ _0\"></span>. The need f<span class=\"_ _0\"></span>or write-of<span class=\"_ _0\"></span>f of corpor<span class=\"_ _0\"></span>ate loans is assessed individually<span class=\"_ _d\"></span>, for mortgages and other<span class=\"_ _0\"></span> loans secured by<span class=\"_ _0\"></span> real estate<span class=\"_ _0\"></span>, the number of ov<span class=\"_ _0\"></span>erdue days after<span class=\"_ _0\"></span> which the balances are consider<span class=\"_ _0\"></span>ed to be irrec<span class=\"_ _0\"></span>overable and ar<span class=\"_ _0\"></span>e to be written of<span class=\"_ _0\"></span>f comprised 1,460 days, while other non-secur<span class=\"_ _0\"></span>ed portfolio is written-of<span class=\"_ _0\"></span>f after 150 day<span class=\"_ _0\"></span>s overdue. If<span class=\"_ _0\"></span> the amount to be written o<span class=\"_ _0\"></span>ff is greater<span class=\"_ _0\"></span> than the accumulated loan loss allowanc<span class=\"_ _0\"></span>e, the diff<span class=\"_ _0\"></span>erence is fir<span class=\"_ _0\"></span>st treated as an ECL<span class=\"_ _0\"></span> expense. <span class=\"_ _0\"></span>Any sub<span class=\"_ _0\"></span>sequent recov<span class=\"_ _0\"></span>eries are credited <span class=\"_ _0\"></span>to ECL e<span class=\"_ _0\"></span>xpense.<span class=\"_ _3e0\"> </span>Backtesting of ECL<span class=\"_ _0\"></span> calculation model<span class=\"_ _3e0\"> </span>In order <span class=\"_ _0\"></span>to monitor the quality and r<span class=\"_ _0\"></span>eliability of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s ECL calculation model, <span class=\"_ _0\"></span>the Group periodically<span class=\"_ _0\"></span> performs backtesting and benchmarking procedur<span class=\"_ _0\"></span>es, whereb<span class=\"_ _0\"></span>y model outcomes ar<span class=\"_ _0\"></span>e compared <span class=\"_ _0\"></span>with actual results, based on internal experienc<span class=\"_ _0\"></span>e as well as externally<span class=\"_ _0\"></span> observed results. For<span class=\"_ _0\"></span> PD, the Gr<span class=\"_ _0\"></span>oup uses statistical modelling to derive a pr<span class=\"_ _0\"></span>edicted distribution of the number of defaults. <span class=\"_ _0\"></span>The observed number of def<span class=\"_ _0\"></span>aults is then compared <span class=\"_ _0\"></span>with this distribution, allowing the Gr<span class=\"_ _0\"></span>oup to derive a statistical level of con<span class=\"_ _0\"></span>fidence in the model. For L<span class=\"_ _d\"></span>GD, the backtesting compar<span class=\"_ _0\"></span>es observed losses with predicted L<span class=\"_ _0\"></span>GDs. If any<span class=\"_ _0\"></span> statistically signific<span class=\"_ _0\"></span>ant deviations or shortcomings in par<span class=\"_ _0\"></span>ameterisations are observed, the r<span class=\"_ _0\"></span>elevant models are r<span class=\"_ _0\"></span>edefined and rec<span class=\"_ _0\"></span>alibrated. An<span class=\"_ _0\"></span>y changes in the model as a result of<span class=\"_ _0\"></span> backtesting procedur<span class=\"_ _0\"></span>es are accounted as change<span class=\"_ _0\"></span>s in accounting estimates with pr<span class=\"_ _0\"></span>ospective application.<span class=\"_ _3e0\"> </span>Impact of climate-relat<span class=\"_ _0\"></span>ed risks on accounting judgements and es<span class=\"_ _0\"></span>timates<span class=\"_ _3e0\"> </span>Climate, and the impact of climate on <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s balanc<span class=\"_ _0\"></span>e sheet is considered as an ar<span class=\"_ _0\"></span>ea of accounting estimate and judgemen<span class=\"_ _0\"></span>t through the unc<span class=\"_ _0\"></span>ertainty of futur<span class=\"_ _0\"></span>e events and <span class=\"_ _0\"></span>the impact of that uncertainty on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s assets and liabilities. While the eff<span class=\"_ _0\"></span>ects of climate change are a sour<span class=\"_ _0\"></span>ce of uncertainty<span class=\"_ _d\"></span>, as at 31 December 2023 management does not c<span class=\"_ _0\"></span>onsider climate to have a qualitatively<span class=\"_ _0\"></span> material impact on its financial statements. The Gr<span class=\"_ _0\"></span>oup has assessed the impact of climate risk on its financial statements as disclosed below<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>The estimated areas o<span class=\"_ _0\"></span>f impact<span class=\"_ _2\"></span>, limited to a qualitative assessment, wer<span class=\"_ _0\"></span>e expected credit loss and <span class=\"_ _0\"></span>the impact on lending por<span class=\"_ _2\"></span>tfolios including physical risk on <span class=\"_ _0\"></span>the mortgage lending portfolio and f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward-looking c<span class=\"_ _0\"></span>ash flows that impact the rec<span class=\"_ _0\"></span>overability<span class=\"_ _0\"></span> of certain assets. T<span class=\"_ _d\"></span>ransition risk<span class=\"_ _0\"></span> is managed through re<span class=\"_ _0\"></span>views of clients by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s Risk function which includes an ongoing pr<span class=\"_ _0\"></span>ocess of identifying clients susceptible <span class=\"_ _0\"></span>to climate transition risks.<span class=\"_ _3e0\"> </span>The Group Climate Risk <span class=\"_ _0\"></span>team has performed a top-down qualitativ<span class=\"_ _0\"></span>e assessment of the impact of climate risk on <span class=\"_ _0\"></span>the IFRS 9 ECL provision. <span class=\"_ _0\"></span>This assessment has mostly<span class=\"_ _0\"></span> been focused acr<span class=\"_ _0\"></span>oss corporate and mortgage portfolio<span class=\"_ _0\"></span>s. The portfolios identified as mos<span class=\"_ _0\"></span>t susceptible to climate risks <span class=\"_ _0\"></span>were identified as mining and quarrying, heavy metals and construction, the conc<span class=\"_ _0\"></span>entration of <span class=\"_ _0\"></span>which is not signfican<span class=\"_ _0\"></span>t for <span class=\"_ _0\"></span>the overall Gr<span class=\"_ _0\"></span>oup loan exposur<span class=\"_ _0\"></span>e. The assessment of<span class=\"_ _0\"></span> the portfolios is undertaken b<span class=\"_ _0\"></span>y considering <span class=\"_ _0\"></span>the maturity profile of the e<span class=\"_ _0\"></span>xposures which is r<span class=\"_ _0\"></span>elatively shorter <span class=\"_ _0\"></span>term compared to long-<span class=\"_ _0\"></span>term climate impact<span class=\"_ _2\"></span>. The abov<span class=\"_ _0\"></span>e assessment did not result in an<span class=\"_ _0\"></span>y material eff<span class=\"_ _0\"></span>ect on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s consolidated financial statements. While some indicators that ar<span class=\"_ _0\"></span>e more in<span class=\"_ _0\"></span>fluenced by climat<span class=\"_ _0\"></span>e change (e<span class=\"_ _0\"></span>.g. energy<span class=\"_ _0\"></span> prices) are f<span class=\"_ _0\"></span>actored into <span class=\"_ _0\"></span>the current PD models wher<span class=\"_ _0\"></span>e they<span class=\"_ _0\"></span> have demonstrated statistic<span class=\"_ _0\"></span>al relevance<span class=\"_ _0\"></span>, the Group curr<span class=\"_ _0\"></span>ently does not use a specific climate risk r<span class=\"_ _0\"></span>elated scenario in addition to the exis<span class=\"_ _0\"></span>ting economic scenarios applied to derive the <span class=\"_ _0\"></span>weighted-average ECL. The r<span class=\"_ _0\"></span>eason for<span class=\"_ _0\"></span> this is lack of sufficient his<span class=\"_ _0\"></span>torical data and limitations in the risk assessments. <span class=\"_ _0\"></span>Where climate f<span class=\"_ _0\"></span>actors have impacted the econom<span class=\"_ _0\"></span>y in the r<span class=\"_ _0\"></span>ecent past or pr<span class=\"_ _0\"></span>esent, these impacts are implicitly<span class=\"_ _0\"></span> embedded in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s IFRS 9 ECL models thr<span class=\"_ _0\"></span>ough the projected macr<span class=\"_ _0\"></span>oeconomic indicators (<span class=\"_ _d\"></span>e.g. inflation rates<span class=\"_ _0\"></span>) and individual analysis of corporate loan r<span class=\"_ _0\"></span>elated cash flows. It should also be noted that the Gr<span class=\"_ _0\"></span>oup is currently<span class=\"_ _0\"></span> working on a corpor<span class=\"_ _0\"></span>ate plan in respect of its r<span class=\"_ _0\"></span>esponse to climate risks, with the commitment to <span class=\"_ _0\"></span>transition away<span class=\"_ _0\"></span> or limit certain high carbon sector financing while in<span class=\"_ _0\"></span>troducing more gr<span class=\"_ _0\"></span>een finance products.<span class=\"_ _3e0\"> </span>Based on the best inf<span class=\"_ _0\"></span>ormation available at the time <span class=\"_ _0\"></span>these consolidated annual financial statements w<span class=\"_ _0\"></span>ere prepar<span class=\"_ _0\"></span>ed, the Group sees no additional climate change risk having a substantial impact on its equity<span class=\"_ _d\"></span>, financial situation and results in 2024. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, as the matter is const<span class=\"_ _0\"></span>antly changing, the Gr<span class=\"_ _0\"></span>oup is working on developing methodologies <span class=\"_ _0\"></span>to better measur<span class=\"_ _0\"></span>e potential loan loss in line with the new management needs, best pr<span class=\"_ _0\"></span>actice and regulators<span class=\"_ _0\"></span>\u2019 requirements.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-723": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs3df\">5.  Segment inf<span class=\"_ _0\"></span>ormation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e0\">The Group disaggr<span class=\"_ _0\"></span>egated revenue <span class=\"_ _0\"></span>from con<span class=\"_ _0\"></span>tracts with customers b<span class=\"_ _0\"></span>y products and services f<span class=\"_ _0\"></span>or each of the segmen<span class=\"_ _0\"></span>ts, as the Group </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e1\">believes it best depicts how <span class=\"_ _0\"></span>the nature, amount, timing and uncertainty<span class=\"_ _0\"></span> of revenue and c<span class=\"_ _0\"></span>ash flows are af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> economic f<span class=\"_ _0\"></span>actors.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e2\">For managemen<span class=\"_ _0\"></span>t purposes, the Group is or<span class=\"_ _0\"></span>ganised into the f<span class=\"_ _0\"></span>ollowing operating segments based on pr<span class=\"_ _0\"></span>oducts and ser<span class=\"_ _2\"></span>vices as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls85 ws0 gs3e3\">RB<span class=\"_ _2\"></span> <span class=\"_ _67\"> </span>\u2013 <span class=\"_ _59\"> </span> <span class=\"_ _5a\"></span>Retail Banking (<span class=\"_ _0\"></span>excluding R<span class=\"_ _0\"></span>etail Banking of BNB) \u2013 principally pr<span class=\"_ _0\"></span>ovides consumer loans, mortgage loans, ov<span class=\"_ _0\"></span>erdraf<span class=\"_ _0\"></span>ts, credit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls85 ws0 gs3e4\">cards and o<span class=\"_ _0\"></span>ther credit f<span class=\"_ _0\"></span>acilities, funds tr<span class=\"_ _0\"></span>ansfers and set<span class=\"_ _0\"></span>tlement services, and the handling of customers\u2019 deposits f<span class=\"_ _0\"></span>or both </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls85 ws0 gs3e5\">individuals and legal entities. The R<span class=\"_ _0\"></span>etail Banking business tar<span class=\"_ _0\"></span>gets the mass retail, mass af<span class=\"_ _0\"></span>fluent and high-net-worth client </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls85 wsc0 gs3e6\">segments.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e7\">SME <span class=\"_ _223\"> </span>\u2013 <span class=\"_ _59\"> </span> <span class=\"_ _5a\"></span>SME Banking (<span class=\"_ _0\"></span>excluding SME Banking o<span class=\"_ _0\"></span>f BNB) \u2013 principally pr<span class=\"_ _0\"></span>ovides SME loans, micro loans, consumer<span class=\"_ _0\"></span> and mortgage </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e8\">loans, funds tr<span class=\"_ _0\"></span>ansfers and se<span class=\"_ _0\"></span>ttlement services, and the handling of customers\u2019 deposits <span class=\"_ _0\"></span>for legal entities. <span class=\"_ _0\"></span>The SME </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3e9\">Banking business tar<span class=\"_ _0\"></span>gets small and medium-sized enterprises and micr<span class=\"_ _0\"></span>o businesses.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3eb\">CIB <span class=\"_ _165\"> </span>\u2013 <span class=\"_ _235\"> </span> <span class=\"_ _85\"></span>Corporate Investmen<span class=\"_ _0\"></span>t Banking \u2013 comprises Corporate Banking and In<span class=\"_ _0\"></span>vestment Management operations in Geor<span class=\"_ _0\"></span>gia. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ec\">Corporate Banking principally<span class=\"_ _0\"></span> pro<span class=\"_ _0\"></span>vides loans and other credit f<span class=\"_ _0\"></span>acilities, funds tr<span class=\"_ _0\"></span>ansfers and se<span class=\"_ _0\"></span>ttlement services, trade </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ed\">finance services, documentary operations support and handles saving and t<span class=\"_ _0\"></span>erm deposits for c<span class=\"_ _0\"></span>orporate and institutional </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ee\">customers. <span class=\"_ _0\"></span>The Investment Management business principally<span class=\"_ _0\"></span> provides br<span class=\"_ _0\"></span>oker<span class=\"_ _0\"></span>age ser<span class=\"_ _2\"></span>vices thr<span class=\"_ _0\"></span>ough Galt &amp; T<span class=\"_ _d\"></span>aggart<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ef\">BNB <span class=\"_ _6f\"> </span> <span class=\"_ _85\"></span>\u2013 <span class=\"_ _235\"> </span>Comprising JSC Belarusky<span class=\"_ _0\"></span> Narodn<span class=\"_ _0\"></span>y Bank mainly<span class=\"_ _d\"></span>, principally pr<span class=\"_ _0\"></span>oviding retail and corpor<span class=\"_ _0\"></span>ate banking services in Belarus.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f0\">Management monitors the oper<span class=\"_ _0\"></span>ating results of its segmen<span class=\"_ _0\"></span>ts separately<span class=\"_ _0\"></span> for <span class=\"_ _0\"></span>the purpose of making decisions about resour<span class=\"_ _0\"></span>ce </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f1\">allocation and performance asse<span class=\"_ _0\"></span>ssment<span class=\"_ _2\"></span>. Segment performance, as e<span class=\"_ _0\"></span>xplained in the table below<span class=\"_ _d\"></span>, is measured in the same manner as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f2\">profit or<span class=\"_ _0\"></span> loss in the consolidated income statement. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f3\">T<span class=\"_ _d\"></span>ransactions between operating segments ar<span class=\"_ _0\"></span>e on an arm\u2019<span class=\"_ _0\"></span>s length basis in a similar manner <span class=\"_ _0\"></span>to transactions with thir<span class=\"_ _0\"></span>d parties.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f4\">During the financial <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s operations wer<span class=\"_ _0\"></span>e primarily conc<span class=\"_ _0\"></span>entrated in Geor<span class=\"_ _0\"></span>gia, excep<span class=\"_ _0\"></span>t for BNB, <span class=\"_ _0\"></span>which operates in Belarus.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f5\">No rev<span class=\"_ _0\"></span>enue from <span class=\"_ _0\"></span>transactions with a single external cus<span class=\"_ _0\"></span>tomer or counterparty amoun<span class=\"_ _0\"></span>ted to 10% or more o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s operating </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f6\">income in 2023, 2022 or 20<span class=\"_ _0\"></span>21.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f7\">In the first quarter o<span class=\"_ _0\"></span>f 2023 the SME Banking segment was split <span class=\"_ _0\"></span>from R<span class=\"_ _0\"></span>etail Banking and the majority of <span class=\"_ _0\"></span>the Micro portfolio, <span class=\"_ _0\"></span>where </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f8\">customers had business-r<span class=\"_ _0\"></span>elated needs, was transf<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>o SME Banking. The remaining Micr<span class=\"_ _0\"></span>o portfolio has been tr<span class=\"_ _0\"></span>ansferr<span class=\"_ _0\"></span>ed to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3f9\">Mass Retail. <span class=\"_ _0\"></span>The SME segment has grown signific<span class=\"_ _0\"></span>antly ov<span class=\"_ _0\"></span>er the past f<span class=\"_ _0\"></span>ew y<span class=\"_ _0\"></span>ears. In addition, the value pr<span class=\"_ _0\"></span>oposition for busines<span class=\"_ _0\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3fa\">clients has been diff<span class=\"_ _0\"></span>erent f<span class=\"_ _0\"></span>rom the v<span class=\"_ _0\"></span>alue proposition f<span class=\"_ _0\"></span>or retail cust<span class=\"_ _0\"></span>omers, leading to our decision to change <span class=\"_ _0\"></span>the segmentation. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3fb\">The comparativ<span class=\"_ _0\"></span>e figures have been r<span class=\"_ _0\"></span>estated accor<span class=\"_ _0\"></span>dingly to r<span class=\"_ _0\"></span>eflect this change. 2021 amounts have no<span class=\"_ _0\"></span>t been restated due to <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3fc\">unavailability of<span class=\"_ _0\"></span> necessar<span class=\"_ _2\"></span>y data and impr<span class=\"_ _0\"></span>acticability of r<span class=\"_ _0\"></span>estatement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3fd\">The f<span class=\"_ _0\"></span>ollowing table presents <span class=\"_ _0\"></span>the income statement and certain asset and liability<span class=\"_ _0\"></span> information r<span class=\"_ _0\"></span>egarding the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s operating </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3fe\">segments as at and f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear ended 31 December 2023:<span class=\"_ _3e0\"> </span></div><div class=\"gs3ff\"><table class=\"s w48e h115\" id=\"_ecfc110a-e2ad-4ae9-941f-731b42528c8d\"><tr><td></td><td></td><td></td><td class=\"t m1 x54d h77 y4c4f ffb fs1d fc1 sc0 ls0 ws0\">Corporate </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x778 h77 y4c50 ffb fs1d fc1 sc0 ls0 ws0\">Retail  </td><td></td><td class=\"t m1 x5d5 h77 y4c50 ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t </td><td></td><td></td><td class=\"t m1 x303 h77 y4c50 ffb fs1d fc1 sc0 ls0 ws0\">Group </td></tr><tr><td></td><td class=\"c n x779 y4c51 w48f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77a y4c51 w490 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">SME<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77b y4c51 w48f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77c y4c51 w491 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">BNB</div></td><td class=\"c n x77d y4c51 w492 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Eliminations<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x2fc h77 y4c52 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c53 w493 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77e y4c53 w494 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">790,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77f y4c53 w495 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">256,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x780 y4c53 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">520,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x781 y4c53 w497 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">48,486<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x782 y4c53 w498 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80</div></td><td class=\"c n x783 y4c53 w499 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c54 w49a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>ee and commission income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x784 y4c54 w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">302,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x785 y4c54 w49c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x786 y4c54 w49d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x787 y4c54 w49e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x788 y4c54 w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">256<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4c54 w49f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">434,482<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c55 we0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>oreign currency<span class=\"_ _0\"></span> gain<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78a y4c55 w4a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _d\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78b y4c55 w4a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78c y4c55 w4a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78d y4c55 w4a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78e y4c55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78f y4c55 we1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">365,711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c56 w4a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 ws0\">Net gains/(losses) on e<span class=\"_ _0\"></span>xtinguishment of debt<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x790 y4c56 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x791 y4c56 w4a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">52<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x792 y4c56 w4a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls1 ws5e\">1<span class=\"_ _2\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x793 y4c56 w4a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4c56 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x794 y4c56 we5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">564<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c57 w4a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 ws0\">Other income f<span class=\"_ _0\"></span>rom settlement o<span class=\"_ _0\"></span>f legacy claim<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x795 y4c57 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c57 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x797 y4c57 we9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4c57 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4c57 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79a y4c57 w4aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,585<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c58 web hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other gains/(losses<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79b y4c58 w4ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79c y4c58 w4ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">5<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79d y4c58 w4ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79e y4c58 w4ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,788<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79f y4c58 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c58 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>17<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c59 wf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a1 y4c59 w4b1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,309,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a2 y4c59 w4b2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">340,<span class=\"_ _0\"></span>993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a3 y4c59 w4b3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">803,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x262 y4c59 w4b4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">99<span class=\"_ _0\"></span>,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a4 y4c59 w4b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">(493)</div></td><td class=\"c n x7a5 y4c59 w4b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">2<span class=\"_ _2\"></span>,552<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>959<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c5a w4b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Operating e<span class=\"_ _0\"></span>xpenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a6 y4c5a w4b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(469<span class=\"_ _0\"></span>,855)</div></td><td class=\"c n x7a7 y4c5a w4b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">(<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _39\"></span>0)</div></td><td class=\"c n x7a8 y4c5a w4ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(119<span class=\"_ _0\"></span>,397)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a9 y4c5a w4bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7aa y4c5a w4bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">49<span class=\"_ _2\"></span>3</div></td><td class=\"c n x482 y4c5a w4bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(754<span class=\"_ _2\"></span>,053)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c5b w4be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Profit f<span class=\"_ _0\"></span>rom associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ab y4c5b w4bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,391<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ac y4c5b w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c5b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4c5b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4c5b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7af y4c5b w10b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,456<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c5c w10e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income be<span class=\"_ _0\"></span>fore cos<span class=\"_ _0\"></span>t of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b0 y4c5c w4c1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">840,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b1 y4c5c w4c2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">241,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b2 y4c5c w4c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">684<span class=\"_ _2\"></span>,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b3 y4c5c w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,9<span class=\"_ _0\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b4 y4c5c w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x7b5 y4c5c w4c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,800<span class=\"_ _0\"></span>,362<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c5d w4c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cost of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b6 y4c5d w4c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(83,847)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b7 y4c5d w4c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,316)</div></td><td class=\"c n x7b8 y4c5d w4c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(3<span class=\"_ _2\"></span>0,5<span class=\"_ _2\"></span>49)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b9 y4c5d w4ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4c5d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x7bb y4c5d w4cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(144,06<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c5e ffb fs8 fc1 sc0 ls0 ws0\">Net operating inc<span class=\"_ _0\"></span>ome before non-r<span class=\"_ _0\"></span>ecurring </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4c5f w4cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bc y4c5f w4cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">756,724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bd y4c5f w4ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">208,9<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7be y4c5f w4cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">653,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bf y4c5f w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,614<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c0 y4c5f w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x7c1 y4c5f w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c60 w12a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net non-recurring items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c2 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c3 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c5 y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c61 w4d1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c6 y4c61 w4d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">756,<span class=\"_ _0\"></span>724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c7 y4c61 w4d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">208,<span class=\"_ _0\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c8 y4c61 w4d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">653,998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x742 y4c61 w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,614<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c61 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x7ca y4c61 w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c62 w12f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cb y4c62 w4d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>121,<span class=\"_ _0\"></span>126)</div></td><td class=\"c n x7cc y4c62 w4d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cd y4c62 w4d7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(95,27<span class=\"_ _d\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ce y4c62 w4d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,477)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4c62 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d0 y4c62 w4d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _d\"></span>97<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c63 w133 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Profit f<span class=\"_ _0\"></span>or the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d1 y4c63 w4da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">635,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d2 y4c63 w4db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">174,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d3 y4c63 w4dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">558,724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d4 y4c63 w4dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _d\"></span>137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c63 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x7d6 y4c63 w13f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,397<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c64 ffb fs8 fc1 sc0 ls0 ws0\">Assets and liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c65 w4de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d7 y4c65 w4df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,247<span class=\"_ _d\"></span>,054</div></td><td class=\"c n x7d8 y4c65 w4e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,9<span class=\"_ _0\"></span>69<span class=\"_ _0\"></span>,620</div></td><td class=\"c n x7d9 y4c65 w4e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,366,433</div></td><td class=\"c n x7da y4c65 w355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7db y4c65 w4e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(105,<span class=\"_ _0\"></span>716)</div></td><td class=\"c n x7dc y4c65 w4e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>757<span class=\"_ _d\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c66 w4e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7dd y4c66 w4e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,479<span class=\"_ _0\"></span>,270</div></td><td class=\"c n x7de y4c66 w4e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>137<span class=\"_ _d\"></span>,430</div></td><td class=\"c n x7df y4c66 w316 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,095,296</div></td><td class=\"c n x7e0 y4c66 w4e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>131,4<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e1 y4c66 w4e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(105,<span class=\"_ _0\"></span>716)</div></td><td class=\"c n x7e2 y4c66 w4e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,73<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c67 ffb fs8 fc1 sc0 ls0 ws0\">Other segment inf<span class=\"_ _0\"></span>ormation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b4f w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e3 y4b4f w4ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e4 y4b4f w4eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e5 y4b4f w1b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e6 y4b4f w4ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4b4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e8 y4b4f w4ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,<span class=\"_ _d\"></span>135<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e9 y4ac8 w4ee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,<span class=\"_ _d\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ea y4ac8 w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7eb y4ac8 w4f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ec y4ac8 w4f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>3<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ee y4ac8 w4f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,568<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c68 w4f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ef y4c68 w4f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">122,573<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f0 y4c68 w4f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x737 y4c68 w458 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4c68 w161 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f2 y4c68 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201 y4c68 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">1<span class=\"_ _2\"></span>54<span class=\"_ _2\"></span>,703<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation, amortisation and impairment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f3 y4aa3 w4f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(97<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f4 y4aa3 w4f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,206)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f5 y4aa3 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f6 y4aa3 w4f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f8 y4aa3 w4fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(124,723)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs401\">The f<span class=\"_ _0\"></span>ollowing table presents <span class=\"_ _0\"></span>the income statement and certain asset and liability<span class=\"_ _0\"></span> information r<span class=\"_ _0\"></span>egarding the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s operating </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs402\">segments as at and f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear ended 31 December 2022: </div><div class=\"gs403\"><table class=\"s w48e h116\" id=\"_0408b5a0-6f66-4314-8251-74b8e8fa598c\"><tr><td></td><td></td><td></td><td class=\"t m1 x54d h77 y4c69 ffb fs1d fc1 sc0 ls0 ws0\">Corporate </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x778 h77 y4c6a ffb fs1d fc1 sc0 ls0 ws0\">Retail </td><td></td><td class=\"t m1 x5d5 h77 y4c6a ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t  </td><td></td><td></td><td class=\"t m1 x303 h77 y4c6a ffb fs1d fc1 sc0 ls0 ws0\">Group </td></tr><tr><td></td><td class=\"c n x779 y4c6b w48f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77a y4c6b w490 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">SME<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77b y4c6b w48f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77c y4c6b w491 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">BNB</div></td><td class=\"c n x77d y4c6b w492 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Eliminations<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x2fc h77 y4c6c ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c6d w493 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f9 y4c6d w4fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">565,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7fa y4c6d w496 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202,793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7fb y4c6d w4fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">376<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7fc y4c6d w44a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7fd y4c6d w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85</div></td><td class=\"c n x7fe y4c6d w4fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>182,335<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c6e w49a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>ee and commission income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ff y4c6e w4fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">221,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x800 y4c6e w29c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,792<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x801 y4c6e w4ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _d\"></span>,5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x802 y4c6e w500 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x803 y4c6e w501 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls68 ws9d\">161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x804 y4c6e w502 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">317<span class=\"_ _d\"></span>,491<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c6f we0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>oreign currency<span class=\"_ _0\"></span> gain<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x805 y4c6f w503 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">234,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x806 y4c6f w504 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,<span class=\"_ _0\"></span>183<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x807 y4c6f w505 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,<span class=\"_ _d\"></span>993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x808 y4c6f w506 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>49<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4c6f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x809 y4c6f w507 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">466,094<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c70 w4a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 ws0\">Net gains/(losses) on e<span class=\"_ _0\"></span>xtinguishment of debt<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80a y4c70 w161 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>943)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80b y4c70 w508 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x741 y4c70 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,7<span class=\"_ _0\"></span>40)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80c y4c70 w50a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>30<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4c70 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80e y4c70 w50b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,717)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c71 w4a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 ws0\">Other income f<span class=\"_ _0\"></span>rom settlement o<span class=\"_ _0\"></span>f legacy claim<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x795 y4c71 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c71 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80f y4c71 w50c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">391,<span class=\"_ _d\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4c71 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4c71 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x812 y4c71 w50d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">391,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c72 web hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other gains/(losses<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x813 y4c72 w50e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4c72 w50f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x815 y4c72 w510 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">20,03<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x816 y4c72 w511 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>474<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x817 y4c72 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(7<span class=\"_ _2\"></span>78)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x818 y4c72 w513 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c73 wf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x819 y4c73 w514 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,0<span class=\"_ _0\"></span>39,<span class=\"_ _d\"></span>993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x81a y4c73 w515 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">283,271<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x81b y4c73 w516 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">955,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x81c y4c73 w517 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x81d y4c73 w518 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(532)</div></td><td class=\"c n x81e y4c73 w519 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,393,<span class=\"_ _0\"></span>112<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c74 w4b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Operating e<span class=\"_ _0\"></span>xpenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x81f y4c74 w51a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(387<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>147)</div></td><td class=\"c n x820 y4c74 w184 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(93,507)</div></td><td class=\"c n x821 y4c74 w51b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(105,632)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x822 y4c74 w51c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,432)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x823 y4c74 w3b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x824 y4c74 w15c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(641,<span class=\"_ _d\"></span>186<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c75 w4be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Profit f<span class=\"_ _0\"></span>rom associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x825 y4c75 w51d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _2\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x826 y4c75 w51e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls81 ws16\">54<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x827 y4c75 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4c75 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4c75 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82a y4c75 w51f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">754<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c76 w10e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income be<span class=\"_ _0\"></span>fore cos<span class=\"_ _0\"></span>t of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82b y4c76 w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">653,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82c y4c76 w521 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">189,818</div></td><td class=\"c n x82d y4c76 w522 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">8<span class=\"_ _2\"></span>50,074<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82e y4c76 w523 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4c76 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x830 y4c76 w110 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,752,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c77 w4c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cost of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x831 y4c77 w127 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(164,099)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x832 y4c77 w524 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x833 y4c77 w525 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">7<span class=\"_ _2\"></span>9,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x834 y4c77 w526 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,827)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x836 y4c77 w527 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(119<span class=\"_ _0\"></span>,068)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c78 ffb fs8 fc1 sc0 ls0 ws0\">Net operating inc<span class=\"_ _0\"></span>ome before non-r<span class=\"_ _0\"></span>ecurring </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4c5f w4cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x837 y4c5f w528 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">489<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x838 y4c5f w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x839 y4c5f w52a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">929,535<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x83a y4c5f w52b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x83b y4c5f w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x83c y4c5f w128 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,633,612<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c79 w12a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net non-recurring items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x83d y4c79 w52c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x83e y4c79 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x83f y4c79 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x840 y4c79 w52d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(<span class=\"_ _2\"></span>203)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4c79 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x842 y4c79 w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c61 w4d1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x843 y4c61 w52e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">490,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x844 y4c61 w52f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,2<span class=\"_ _2\"></span>15<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x845 y4c61 w32d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">929<span class=\"_ _0\"></span>,535<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x846 y4c61 w47d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4c61 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x848 y4c61 w123 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,63<span class=\"_ _2\"></span>4,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7a w12f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x849 y4c7a w530 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(76,489)</div></td><td class=\"c n x84a y4c7a w531 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84b y4c7a w532 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(77<span class=\"_ _d\"></span>,693)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84c y4c7a w533 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,684)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4c7a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84e y4c7a w534 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(190<span class=\"_ _0\"></span>,651)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c63 w133 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Profit f<span class=\"_ _0\"></span>or the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84f y4c63 w535 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">414,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x850 y4c63 w536 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152,430<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x851 y4c63 w537 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">851,842<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x852 y4c63 w538 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c63 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x853 y4c63 w539 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,443,999<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c7b ffb fs8 fc1 sc0 ls0 ws0\">Assets and liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c7c w4de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x854 y4c7c w53a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,231,085</div></td><td class=\"c n x855 y4c7c w53b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,432<span class=\"_ _2\"></span>,635</div></td><td class=\"c n x856 y4c7c w53c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>006,313</div></td><td class=\"c n x857 y4c7c w53d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,381,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x858 y4c7c w53e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(149,499)</div></td><td class=\"c n x859 y4c7c w53f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,901,<span class=\"_ _d\"></span>900<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c66 w4e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x85a y4c66 w540 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,662,<span class=\"_ _0\"></span>975</div></td><td class=\"c n x85b y4c66 w541 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,682<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>905</div></td><td class=\"c n x85c y4c66 w542 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,226,7<span class=\"_ _0\"></span>69</div></td><td class=\"c n x85d y4c66 w100 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,229<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x85e y4c66 w543 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(149,49<span class=\"_ _2\"></span>9)</div></td><td class=\"c n x85f y4c66 w544 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c7d ffb fs8 fc1 sc0 ls0 ws0\">Other segment inf<span class=\"_ _0\"></span>ormation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c7e w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e3 y4c7e w545 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x860 y4c7e w546 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x861 y4c7e w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x862 y4c7e w548 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4c7e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x864 y4c7e w549 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x865 y4ac8 w54a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x866 y4ac8 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x867 y4ac8 w54b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x868 y4ac8 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86a y4ac8 w54d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,6<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7f w4f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86b y4c7f w54e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86c y4c7f w54f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4c7f w550 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,269<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86e y4c7f w551 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c7f w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x870 y4c7f w552 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">118,667<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation, amortisation and impairment</div></td><td class=\"c n x871 y4aa3 w553 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(86,546)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x872 y4aa3 w554 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>193)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x873 y4aa3 w555 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,292)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x874 y4aa3 w103 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _0\"></span>058)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x876 y4aa3 w556 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(111,<span class=\"_ _0\"></span>089)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs404\">The f<span class=\"_ _0\"></span>ollowing table presents <span class=\"_ _0\"></span>the income statement and certain asset and liability<span class=\"_ _0\"></span> information r<span class=\"_ _0\"></span>egarding the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s operating </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs405\">segments as at and f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear ended 31 December 2021:<span class=\"_ _3e0\"> </span></div><div class=\"gs406\"><table class=\"s w557 h117\" id=\"_461bcc21-edad-4ede-89fb-7c2ce4560793\"><tr><td></td><td></td><td class=\"t m1 x54d h77 y4c80 ffb fs1d fc1 sc0 ls0 ws0\">Corporate </td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x877 h77 y4c81 ffb fs1d fc1 sc0 ls0 ws0\">Retail </td><td class=\"t m1 x5d5 h77 y4c81 ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t </td><td></td><td></td><td class=\"t m1 x303 h77 y4c81 ffb fs1d fc1 sc0 ls0 ws0\">Group </td></tr><tr><td></td><td class=\"t m1 x878 h77 y4c82 ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></td><td class=\"c n x77b y4c83 w48f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77c y4c83 w491 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">BNB</div></td><td class=\"c n x77d y4c83 w492 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Eliminations<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x2fc h77 y4c82 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c84 w493 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x879 y4c84 w558 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87a y4c84 w559 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">331,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87b y4c84 w55a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,6<span class=\"_ _0\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87c y4c84 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87d y4c84 w55b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">953,<span class=\"_ _0\"></span>941<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c85 w49a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>ee and commission income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87e y4c85 w55c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87f y4c85 w55d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,869<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x880 y4c85 w3c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5,<span class=\"_ _2\"></span>476<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x881 y4c85 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x882 y4c85 w55e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">232,431<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c86 w55f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net f<span class=\"_ _0\"></span>oreign currency<span class=\"_ _0\"></span> gain (loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4c86 w560 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,<span class=\"_ _d\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x884 y4c86 w561 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x885 y4c86 w562 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,3<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4c86 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x887 y4c86 we3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,099<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c87 we4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net gains/(losses) on e<span class=\"_ _0\"></span>xtinguishment of debt<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x888 y4c87 w563 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(456<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x889 y4c87 w564 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,333)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88a y4c87 w565 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,<span class=\"_ _0\"></span>103)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4c87 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88b y4c87 w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,892)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c88 web hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other gains/(losses<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4c88 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88d y4c88 w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c88 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88f y4c88 w568 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(884<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4d2 y4c88 w569 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,098<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c89 wf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x890 y4c89 w56a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">845,467<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x891 y4c89 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">461,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x892 y4c89 w56c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,735<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x893 y4c89 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa5 wsee\">(6<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>8)</div></td><td class=\"c n x894 y4c89 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,365,677<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c8a w4b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Operating e<span class=\"_ _0\"></span>xpenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x895 y4c8a w56d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(389<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>915)</div></td><td class=\"c n x896 y4c8a w56e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79,<span class=\"_ _0\"></span>060)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x897 y4c8a w56f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(39<span class=\"_ _0\"></span>,675)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x898 y4c8a w570 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">698</div></td><td class=\"c n x899 y4c8a w21b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(507<span class=\"_ _5\"></span>,952)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c8b w4be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Profit f<span class=\"_ _0\"></span>rom associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89a y4c8b w571 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,7<span class=\"_ _0\"></span>81)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89b y4c8b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4c8b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4c8b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89e y4c8b w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,781)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c8c w10e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Operating income be<span class=\"_ _0\"></span>fore cos<span class=\"_ _0\"></span>t of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89f y4c8c w572 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">451,771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a0 y4c8c w573 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">382<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a1 y4c8c w574 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,060<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4c8c w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a2 y4c8c w4dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">853,9<span class=\"_ _0\"></span>44<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c8d w4c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cost of risk<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a3 y4c8d w575 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,351)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a4 y4c8d w576 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a5 y4c8d w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,723)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4c8d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a6 y4c8d w578 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,<span class=\"_ _2\"></span>412)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c8e w126 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net operating inc<span class=\"_ _0\"></span>ome before non-r<span class=\"_ _0\"></span>ecurring items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a7 y4c8e w159 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">379,420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8a8 y4c8e w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\"><span class=\"ff2\">4</span><span class=\"ls7e ws7\">04,775<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x8a9 y4c8e w57a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4c8e w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ab y4c8e w129 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">802,532<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c60 w12a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net non-recurring items<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ac y4c60 w73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ad y4c60 w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(78)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ae y4c60 w214 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(532)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4c60 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b0 y4c60 w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c61 w4d1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b1 y4c61 w352 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">379<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b2 y4c61 w57b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">404,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b3 y4c61 w57c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4c61 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b4 y4c61 w57d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">801,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c62 w12f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b5 y4c62 w57e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b6 y4c62 w57f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,473)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b7 y4c62 w580 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c62 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b8 y4c62 w581 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c63 w133 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Profit f<span class=\"_ _0\"></span>or the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b9 y4c63 w582 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">346,484<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ba y4c63 w583 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">366,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8bb y4c63 w584 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4c63 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8bc y4c63 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">727<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>118<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c8f ffb fs8 fc1 sc0 ls0 ws0\">Assets and liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c65 w4de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8bd y4c65 w586 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,865,6<span class=\"_ _2\"></span>40</div></td><td class=\"c n x8be y4c65 w587 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,683,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8bf y4c65 w588 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">980,<span class=\"_ _d\"></span>920</div></td><td class=\"c n x8c0 y4c65 w589 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(100<span class=\"_ _0\"></span>,407)</div></td><td class=\"c n x8c1 y4c65 w58a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,430,0<span class=\"_ _0\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0e w4e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c2 y4c0e w58b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,017<span class=\"_ _d\"></span>,394</div></td><td class=\"c n x8c3 y4c0e w58c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,573,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c4 y4c0e w58d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">846,263</div></td><td class=\"c n x8c5 y4c0e w58e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(100,407)</div></td><td class=\"c n x8c6 y4c0e w58f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,337<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4c90 ffb fs8 fc1 sc0 ls0 ws0\">Other segment inf<span class=\"_ _0\"></span>ormation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b4f w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c7 y4b4f wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,095<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c8 y4b4f w1b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c9 y4b4f w590 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,03<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4b4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4b4f w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,229<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ca y4c91 w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cb y4c91 w592 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cc y4c91 w440 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ce y4c91 w593 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,057<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c93 w4f3 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cf y4c93 w46d h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">85,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d0 y4c93 w594 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls55 ws84\">6,<span class=\"_ _2\"></span>024<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d1 y4c93 w595 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls6b ws9f\">7,<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>2<span class=\"_ _39\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d2 y4c93 w17d h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d3 y4c93 w596 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">98,286<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation, amortisation and impairment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d4 y4aa3 w597 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,<span class=\"_ _d\"></span>127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d5 y4aa3 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x232 y4aa3 w599 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d7 y4aa3 w59a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(93,618<span class=\"_ _0\"></span>)</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-724": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs408\">6.  Cash and cash equiv<span class=\"_ _0\"></span>alents<span class=\"_ _3e0\"> </span></div><div class=\"gs409\"><table class=\"s w59b h119\" id=\"_8e93e153-480e-45db-bb55-66818df0c45e\"><tr><td></td><td class=\"c n x8d8 y4c94 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c94 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c94 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w59c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8db y4a9d w59d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">1,02<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,04<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8dc y4a9d w59e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>052<span class=\"_ _2\"></span>,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8dd y4a9d w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">751,063<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w59f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current ac<span class=\"_ _0\"></span>counts with centr<span class=\"_ _0\"></span>al banks, excluding obligat<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8de y4a9e w5a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>13,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8df y4a9e w5a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">805,503<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4a9e w5a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">126,627<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w5a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current ac<span class=\"_ _0\"></span>counts with credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e1 y4c95 w5a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">652<span class=\"_ _2\"></span>,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7db y4c95 w507 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965,046<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e2 y4c95 w517 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">414,214<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w5a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits with cr<span class=\"_ _0\"></span>edit institutions with maturities of up to 90 days<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e3 y4c96 w5a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>12,786<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e4 y4c96 w5a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">762,590<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e5 y4c96 w5a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,683<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w5a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Cash and cash equiv<span class=\"_ _0\"></span>alents, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e6 y4c97 w5aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>102,290<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e7 y4c97 w5ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,585,<span class=\"_ _0\"></span>194<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e8 y4c97 w201 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,520,587<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e9 y4adf w5ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ea y4adf w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(351)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8eb y4adf w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Cash and cash equiv<span class=\"_ _0\"></span>alents, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ec y4aa3 w5b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ed y4aa3 w58e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ee y4aa3 w289 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40a\">As at 31 December 2023, GEL<span class=\"_ _0\"></span> 975,099 (2022: GEL<span class=\"_ _0\"></span> 1,453,84<span class=\"_ _2\"></span>4, 2021: GEL 4<span class=\"_ _0\"></span>19,324<span class=\"_ _0\"></span>) was placed on curr<span class=\"_ _0\"></span>ent and time deposit accounts </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40b\">with internationally<span class=\"_ _0\"></span> recognised OECD banks and centr<span class=\"_ _0\"></span>al banks that are <span class=\"_ _0\"></span>the counterparties of the Gr<span class=\"_ _0\"></span>oup in performing international </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40c\">settlements. <span class=\"_ _0\"></span>The Group earned between 0<span class=\"_ _0\"></span>.00%-<span class=\"_ _0\"></span>10.35% inter<span class=\"_ _0\"></span>est per annum on these deposits (2022: up t<span class=\"_ _0\"></span>o 11.<span class=\"_ _0\"></span>10%, 2021: up to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40d\">0.0<span class=\"_ _0\"></span>7%). Management does not expect an<span class=\"_ _0\"></span>y losses f<span class=\"_ _0\"></span>rom non-performance b<span class=\"_ _0\"></span>y the c<span class=\"_ _0\"></span>ounterparties holding cash and cash equivalents, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40e\">and there ar<span class=\"_ _0\"></span>e no material diff<span class=\"_ _0\"></span>erences between <span class=\"_ _0\"></span>their book and f<span class=\"_ _0\"></span>air values.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs40f\">As at 31 December 2023, cash and c<span class=\"_ _0\"></span>ash equivalents held by<span class=\"_ _0\"></span> BOGG of GEL 50<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>970 (20<span class=\"_ _0\"></span>22: GEL 10,850<span class=\"_ _0\"></span>, 2021: GEL 384<span class=\"_ _0\"></span>) is represen<span class=\"_ _0\"></span>ted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs410\">by<span class=\"_ _0\"></span> placements on curren<span class=\"_ _0\"></span>t accounts with Geor<span class=\"_ _0\"></span>gian and OECD banks.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-774": {
   "value": "6.  Cash and cash equiv<span class=\"_ _0\"></span>alents<span class=\"_ _3e0\"> </span><table class=\"s w59b h119\" id=\"_8e93e153-480e-45db-bb55-66818df0c45e\"><tr><td></td><td class=\"c n x8d8 y4c94 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c94 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c94 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w59c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8db y4a9d w59d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">1,02<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,04<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8dc y4a9d w59e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>052<span class=\"_ _2\"></span>,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8dd y4a9d w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">751,063<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w59f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current ac<span class=\"_ _0\"></span>counts with centr<span class=\"_ _0\"></span>al banks, excluding obligat<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8de y4a9e w5a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>13,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8df y4a9e w5a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">805,503<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4a9e w5a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">126,627<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w5a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current ac<span class=\"_ _0\"></span>counts with credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e1 y4c95 w5a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">652<span class=\"_ _2\"></span>,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7db y4c95 w507 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965,046<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e2 y4c95 w517 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">414,214<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w5a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits with cr<span class=\"_ _0\"></span>edit institutions with maturities of up to 90 days<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e3 y4c96 w5a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>12,786<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e4 y4c96 w5a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">762,590<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e5 y4c96 w5a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,683<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w5a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Cash and cash equiv<span class=\"_ _0\"></span>alents, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e6 y4c97 w5aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>102,290<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e7 y4c97 w5ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,585,<span class=\"_ _0\"></span>194<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e8 y4c97 w201 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,520,587<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e9 y4adf w5ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ea y4adf w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(351)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8eb y4adf w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Cash and cash equiv<span class=\"_ _0\"></span>alents, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ec y4aa3 w5b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ed y4aa3 w58e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ee y4aa3 w289 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr></table>As at 31 December 2023, GEL<span class=\"_ _0\"></span> 975,099 (2022: GEL<span class=\"_ _0\"></span> 1,453,84<span class=\"_ _2\"></span>4, 2021: GEL 4<span class=\"_ _0\"></span>19,324<span class=\"_ _0\"></span>) was placed on curr<span class=\"_ _0\"></span>ent and time deposit accounts with internationally<span class=\"_ _0\"></span> recognised OECD banks and centr<span class=\"_ _0\"></span>al banks that are <span class=\"_ _0\"></span>the counterparties of the Gr<span class=\"_ _0\"></span>oup in performing international settlements. <span class=\"_ _0\"></span>The Group earned between 0<span class=\"_ _0\"></span>.00%-<span class=\"_ _0\"></span>10.35% inter<span class=\"_ _0\"></span>est per annum on these deposits (2022: up t<span class=\"_ _0\"></span>o 11.<span class=\"_ _0\"></span>10%, 2021: up to 0.0<span class=\"_ _0\"></span>7%). Management does not expect an<span class=\"_ _0\"></span>y losses f<span class=\"_ _0\"></span>rom non-performance b<span class=\"_ _0\"></span>y the c<span class=\"_ _0\"></span>ounterparties holding cash and cash equivalents, and there ar<span class=\"_ _0\"></span>e no material diff<span class=\"_ _0\"></span>erences between <span class=\"_ _0\"></span>their book and f<span class=\"_ _0\"></span>air values.<span class=\"_ _3e0\"> </span>As at 31 December 2023, cash and c<span class=\"_ _0\"></span>ash equivalents held by<span class=\"_ _0\"></span> BOGG of GEL 50<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>970 (20<span class=\"_ _0\"></span>22: GEL 10,850<span class=\"_ _0\"></span>, 2021: GEL 384<span class=\"_ _0\"></span>) is represen<span class=\"_ _0\"></span>ted by<span class=\"_ _0\"></span> placements on curren<span class=\"_ _0\"></span>t accounts with Geor<span class=\"_ _0\"></span>gian and OECD banks.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-775": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs412\">7<span class=\"_ _5\"></span>.  Amounts due f<span class=\"_ _0\"></span>rom cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div><div class=\"gs413\"><table class=\"s w5b1 h11a\" id=\"_aec0d452-2704-4764-8a28-db633e0378a5\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w5b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Obligatory reserves with c<span class=\"_ _0\"></span>entral banks<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ef y4a9e w5b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _d\"></span>4<span class=\"_ _2\"></span>6,288<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f0 y4a9e w5b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,35<span class=\"_ _2\"></span>4,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f1 y4a9e w5b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,898,052<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w5b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits with maturities of mor<span class=\"_ _0\"></span>e than 90 days<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f3 y4c95 w5b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f4 y4c95 w5b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,939<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w5b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Restricted cash<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dd y4c96 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f5 y4c96 w5bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,<span class=\"_ _d\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f6 y4c96 w5bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>730<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w5bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions, gro<span class=\"_ _0\"></span>ss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f7 y4c97 w5be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f8 y4c97 w5bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>438,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f9 y4c97 w5c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fa y4adf w5c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fb y4adf w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,318)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fc y4adf w5c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(331)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fd y4aa3 w5c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fe y4aa3 w5c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ff y4aa3 w5c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs414\">Obligatory reserves with c<span class=\"_ _0\"></span>entral banks repr<span class=\"_ _0\"></span>esent amounts deposited with <span class=\"_ _0\"></span>the NBG and the National Bank of the R<span class=\"_ _0\"></span>epublic of Belarus </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs415\">(the \u2018NBRB\u2019). Credit institutions ar<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ed to maintain cash deposits (<span class=\"_ _0\"></span>obligatory reserve<span class=\"_ _0\"></span>) with the NBG and with <span class=\"_ _0\"></span>the NBRB, the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs416\">amount of which depends on <span class=\"_ _0\"></span>the level of funds at<span class=\"_ _0\"></span>tracted by<span class=\"_ _0\"></span> the credit institution. <span class=\"_ _0\"></span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s ability to withdr<span class=\"_ _0\"></span>aw these deposits </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs417\">is restricted b<span class=\"_ _0\"></span>y regulation. <span class=\"_ _0\"></span>The Group earned up t<span class=\"_ _0\"></span>o 0.00% inter<span class=\"_ _0\"></span>est on obligator<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eserves with NBG and NBRB for<span class=\"_ _0\"></span> the year<span class=\"_ _0\"></span>s ended </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs418\">31 December 2023 (2022: 0<span class=\"_ _0\"></span>.00%, 2021: 0.<span class=\"_ _0\"></span>00%).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-725": {
   "value": "7<span class=\"_ _5\"></span>.  Amounts due f<span class=\"_ _0\"></span>rom cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span><table class=\"s w5b1 h11a\" id=\"_aec0d452-2704-4764-8a28-db633e0378a5\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w5b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Obligatory reserves with c<span class=\"_ _0\"></span>entral banks<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ef y4a9e w5b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _d\"></span>4<span class=\"_ _2\"></span>6,288<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f0 y4a9e w5b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,35<span class=\"_ _2\"></span>4,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f1 y4a9e w5b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,898,052<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w5b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits with maturities of mor<span class=\"_ _0\"></span>e than 90 days<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f3 y4c95 w5b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f4 y4c95 w5b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,939<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w5b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Restricted cash<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dd y4c96 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f5 y4c96 w5bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,<span class=\"_ _d\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f6 y4c96 w5bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>730<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w5bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions, gro<span class=\"_ _0\"></span>ss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f7 y4c97 w5be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f8 y4c97 w5bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>438,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f9 y4c97 w5c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fa y4adf w5c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fb y4adf w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,318)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fc y4adf w5c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(331)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fd y4aa3 w5c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fe y4aa3 w5c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ff y4aa3 w5c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr></table>Obligatory reserves with c<span class=\"_ _0\"></span>entral banks repr<span class=\"_ _0\"></span>esent amounts deposited with <span class=\"_ _0\"></span>the NBG and the National Bank of the R<span class=\"_ _0\"></span>epublic of Belarus (the \u2018NBRB\u2019). Credit institutions ar<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ed to maintain cash deposits (<span class=\"_ _0\"></span>obligatory reserve<span class=\"_ _0\"></span>) with the NBG and with <span class=\"_ _0\"></span>the NBRB, the amount of which depends on <span class=\"_ _0\"></span>the level of funds at<span class=\"_ _0\"></span>tracted by<span class=\"_ _0\"></span> the credit institution. <span class=\"_ _0\"></span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s ability to withdr<span class=\"_ _0\"></span>aw these deposits is restricted b<span class=\"_ _0\"></span>y regulation. <span class=\"_ _0\"></span>The Group earned up t<span class=\"_ _0\"></span>o 0.00% inter<span class=\"_ _0\"></span>est on obligator<span class=\"_ _2\"></span>y r<span class=\"_ _0\"></span>eserves with NBG and NBRB for<span class=\"_ _0\"></span> the year<span class=\"_ _0\"></span>s ended 31 December 2023 (2022: 0<span class=\"_ _0\"></span>.00%, 2021: 0.<span class=\"_ _0\"></span>00%).",
   "dimensions": {
    "concept": "bogg:DisclosureOfAmountsDueFromCreditInstitutions",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-726": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs41a\">8.  Inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div><div class=\"gs41b\"><table class=\"s w5c8 h11b\" id=\"_db378e99-2a01-4451-ad8e-c75d7323b721\"><tr><td></td><td class=\"c n x8d8 y4c99 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c99 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c99 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w5c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 debt instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x900 y4b43 w5ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,424<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x901 y4b43 w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x902 y4b43 w5cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4f w5cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities designat<span class=\"_ _0\"></span>ed as at FVOCI \u2013 equity inv<span class=\"_ _0\"></span>estments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x903 y4b4f w5ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x904 y4b4f w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x905 y4b4f w218 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">9,581<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w5d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVTPL \u2013 debt instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x906 y4ac8 w25e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w5d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVTPL \u2013 equity instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x909 y4b46 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90a y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment securities measured at FV<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90b y4aa3 w5d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90c y4aa3 w5d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90d y4aa3 wa7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,595,664<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs41c\"><table class=\"s w37c h11c\" id=\"_d7ea64c6-57f4-4f7f-9efe-f935adef95b2\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w5d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90e y4ac8 w5d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">691,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90f y4ac8 w5d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">381,735<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x910 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x911 y4b46 w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x912 y4b46 w5da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x913 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment securities measured at amortised cost, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x914 y4aa3 w5dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">690,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x915 y4aa3 w5dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x916 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs41d\"><table class=\"s w5de h11d\" id=\"_50b5d7f8-2bba-4192-80b1-988509e55375\"><tr><td></td><td class=\"c n x8d8 y4c9b w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9b w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9b w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7c w5df hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Ministry of Finance of<span class=\"_ _0\"></span> Georgia treasury bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x917 y4c7c w5e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,89<span class=\"_ _2\"></span>1,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x918 y4c7c w5e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,47<span class=\"_ _0\"></span>0,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x919 y4c7c w5e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,312,001<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w5e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ministry of Finance of<span class=\"_ _0\"></span> Georgia treasury bills<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91a y4b42 w5e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91b y4b42 w5e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176,483<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91c y4b42 w5e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82,<span class=\"_ _0\"></span>196<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9c w5e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws16\">For<span class=\"_ _0\"></span>eign treasury bills<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91d y4c9c w5e8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,645,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91e y4c9c w5e9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062,095<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4c9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d w5ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">For<span class=\"_ _0\"></span>eign treasury bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x920 y4c9d w5eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x921 y4c9d w5ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">92,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x922 y4c9d w5ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w5ee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Certificates of deposit of<span class=\"_ _0\"></span> central banks<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x923 y4b45 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x924 y4b45 w5f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x925 y4b45 w5f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w5f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Other debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x926 y4b3c w3a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">666,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x927 y4b3c w5f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>140,756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x928 y4b3c w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,073,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w5f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment securities measured at FV<span class=\"_ _0\"></span>OCI \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x929 y4aa3 w5f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92a y4aa3 w5f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92b y4aa3 w5f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w5f9 h11e\" id=\"_0b812458-27f5-4575-9e81-53d526978de2\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adb w5df hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">Ministry of Finance of<span class=\"_ _0\"></span> Georgia treasury bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92c y4adb w5fa hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92d y4adb w5fb hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4adb wa1 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9e w5ea hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws16\">For<span class=\"_ _0\"></span>eign treasury bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4c9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92f y4c9e w49d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">12,230<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x930 y4c9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w5f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x931 y4c96 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13,752<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x932 y4c96 w65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">249<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w5fd h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment securities measured at amortised cost \u2013 debt ins<span class=\"_ _0\"></span>truments, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x934 y4b3b w5fe h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x935 y4b3b w5ff hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">381,735<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x936 y4b3b w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x911 y4adf w5d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x912 y4adf w5da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x913 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w600 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment securities measured at amortised cost \u2013 debt ins<span class=\"_ _0\"></span>truments, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x937 y4aa3 w5dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">690,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x938 y4aa3 w5dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x939 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs41f\"><table class=\"s w601 h11b\" id=\"_63704343-2fc7-435a-a5a8-585098c28472\"><tr><td></td><td class=\"c n x1ca y4c99 w602 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Pledged treasury bonds<span class=\"_ _174\"> </span><span class=\"ws0\">2023<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x93a y4c99 w41d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93b y4c99 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9f w603 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">For short-<span class=\"_ _0\"></span>term loans from <span class=\"_ _0\"></span>the NBG<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93c y4c9f w604 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,375,687<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93d y4c9f w5a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">709<span class=\"_ _0\"></span>,597<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93e y4c9f w605 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">490,5<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w606 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For r<span class=\"_ _0\"></span>epo-operations with c<span class=\"_ _0\"></span>ommercial banks<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93f y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x940 y4b44 w607 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">380,065<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x941 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w608 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For deposits o<span class=\"_ _0\"></span>f Ministr<span class=\"_ _2\"></span>y of<span class=\"_ _0\"></span> Finance of Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x942 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x943 y4b45 w609 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>109</div></td><td class=\"c n x944 y4b45 w60a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w60b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For c<span class=\"_ _0\"></span>ash kept by<span class=\"_ _0\"></span> the NBG at the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s premises under cash custodian services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x945 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4adf w60c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x948 y4aa3 w60d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,375,687</div></td><td class=\"c n x949 y4aa3 w60e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>186,771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94a y4aa3 w60f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">725,792<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs420\"><table class=\"s w610 h120\" id=\"_b27d0135-cb67-4986-9f71-293e831d2889\"><tr><td></td><td class=\"c n x1ca y4ca0 w611 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wse4\">Pledged treasury bills<span class=\"_ _2f8\"> </span><span class=\"ws0\">2023<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x94b y4ca0 w41d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94c y4ca0 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w60b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For c<span class=\"_ _0\"></span>ash kept by<span class=\"_ _0\"></span> the NBG at the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s premises under cash custodian services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x945 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94d y4b46 w612 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94f y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x950 y4aa3 w613 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>180<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs421\"><table class=\"s w614 h11c\" id=\"_aedb4c5d-83f1-4f1b-b844-2c326cee47f5\"><tr><td></td><td class=\"c n x1ca y4c9a w615 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Pledged corporate bonds<span class=\"_ _1e6\"> </span>2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x952 y4c9a w41d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x953 y4c9a w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w603 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">For short-<span class=\"_ _0\"></span>term loans from <span class=\"_ _0\"></span>the NBG<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x954 y4ac8 w59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x955 y4ac8 w616 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">121,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w608 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">For deposits o<span class=\"_ _0\"></span>f Ministr<span class=\"_ _2\"></span>y of<span class=\"_ _0\"></span> Finance of Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x942 y4b3c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x956 y4b3c w617 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">205,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x957 y4b3c w618 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">109,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x958 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x959 y4aa3 w61a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">326,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95a y4aa3 w61b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">109,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs422\">Other debt instruments measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 debt instrumen<span class=\"_ _0\"></span>ts as at 31 December 2023 mainly c<span class=\"_ _0\"></span>omprises bonds issued by <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs423\">European Bank <span class=\"_ _0\"></span>for R<span class=\"_ _0\"></span>econstruction and Development of GEL<span class=\"_ _0\"></span> 326,<span class=\"_ _0\"></span>916 (2022: GEL 531,351, 2021: GEL<span class=\"_ _0\"></span> 521,394), GEL<span class=\"_ _d\"></span>-denominated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs424\">bonds issued by<span class=\"_ _0\"></span> the International Finance C<span class=\"_ _0\"></span>orporation of GEL<span class=\"_ _0\"></span> 203,617 (2022: GEL<span class=\"_ _0\"></span> 56,523, 2021: GEL 20<span class=\"_ _0\"></span>3,351), GEL<span class=\"_ _0\"></span>-denominated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs425\">bonds issued by<span class=\"_ _0\"></span> the Netherlands Development F<span class=\"_ _0\"></span>inance Company<span class=\"_ _0\"></span> of GEL Nil (2022: GEL<span class=\"_ _0\"></span> 131,<span class=\"_ _d\"></span>126, 2021: GEL 163,593), GEL<span class=\"_ _d\"></span>-<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs426\">denominated bonds issued by<span class=\"_ _0\"></span> the Black Sea T<span class=\"_ _d\"></span>rade and Dev<span class=\"_ _0\"></span>elopment Bank of GEL<span class=\"_ _0\"></span> Nil (2022: GEL 200<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>913, 2021: GEL 65,407),  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs427\">US$-denominated bonds issued by<span class=\"_ _0\"></span> the National Bank Of Uzbekistan of GEL<span class=\"_ _0\"></span> Nil (2022: GEL<span class=\"_ _0\"></span> 12,230, 2021: GEL Nil) and  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs428\">GEL<span class=\"_ _0\"></span>-denominated bonds issued by<span class=\"_ _0\"></span> the Asian Dev<span class=\"_ _0\"></span>elopment Bank of GEL 30<span class=\"_ _0\"></span>,594 (2022: GEL<span class=\"_ _0\"></span> 107<span class=\"_ _d\"></span>,835, 2021: GEL<span class=\"_ _0\"></span> 61,609).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs429\">For<span class=\"_ _0\"></span>eign treasury bonds and bills measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 debt instruments comprise o<span class=\"_ _0\"></span>f US T<span class=\"_ _d\"></span>reasury Notes in the amoun<span class=\"_ _0\"></span>t of GEL </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42a\">1,621,219 (2022: GEL<span class=\"_ _0\"></span> 1,062,095, 2021: GEL Nil), Ministry o<span class=\"_ _0\"></span>f Finance of the R<span class=\"_ _0\"></span>epublic of Lithuania treasury bonds in <span class=\"_ _0\"></span>the amount of GEL </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42b\">Nil (2022: GEL<span class=\"_ _0\"></span> Nil, 2021: GEL 15,<span class=\"_ _d\"></span>992), United Kingdom treasury bonds in the amount of GEL<span class=\"_ _0\"></span> Nil (2022: GEL<span class=\"_ _0\"></span> 32,516, 2021: GEL Nil), </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42c\">Ministry of Finance of<span class=\"_ _0\"></span> the Republic of Belarus <span class=\"_ _0\"></span>treasury bonds in the amount of GEL<span class=\"_ _0\"></span> 54,<span class=\"_ _0\"></span>151 (2022: GEL 60<span class=\"_ _0\"></span>,301, 2021: GEL 63,<span class=\"_ _d\"></span>164) and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42d\">US treasury bills in <span class=\"_ _0\"></span>the amount of GEL 24,068 (20<span class=\"_ _0\"></span>22: GEL Nil, 2021: GEL<span class=\"_ _0\"></span> Nil).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42e\">For <span class=\"_ _0\"></span>the period ended 31 December 2023 net gains on der<span class=\"_ _0\"></span>ecognition of investment securities c<span class=\"_ _0\"></span>omprised GEL 12,520 (2022: GEL<span class=\"_ _0\"></span> 7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>921, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42f\">2022: GEL<span class=\"_ _0\"></span> 30,044) which is included in net other<span class=\"_ _0\"></span> income.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs430\">As at 31 December 2023, allow<span class=\"_ _0\"></span>ance for<span class=\"_ _0\"></span> ECL on inve<span class=\"_ _0\"></span>stment securities measured at FVOCI c<span class=\"_ _0\"></span>omprised GEL 7<span class=\"_ _d\"></span>,684 (2022: GEL<span class=\"_ _0\"></span> 7<span class=\"_ _d\"></span>,086, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs431\">2021: GEL<span class=\"_ _0\"></span> 3,<span class=\"_ _0\"></span>145).</div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfInvestmentSecurities",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-727": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs433\">9<span class=\"_ _d\"></span>.  Loans to customers and financ<span class=\"_ _0\"></span>e lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div><div class=\"gs434\"><table class=\"s w61c h121\" id=\"_882ed5a0-ca61-48d0-a686-dafcecd4d123\"><tr><td></td><td class=\"c n x8d8 y4ca1 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4ca1 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4ca1 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c79 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95b y4c79 w61d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _5\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95c y4c79 w61e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95d y4c79 w61f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca2 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95e y4ca2 w620 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls65 ws98\">4<span class=\"_ _2\"></span>,699,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95f y4ca2 w621 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ab y4ca2 w622 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca3 w452 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x960 y4ca3 w623 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x961 y4ca3 w624 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x962 y4ca3 w625 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca4 w3df hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x963 y4ca4 w626 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,<span class=\"_ _0\"></span>022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x964 y4ca4 w627 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,25,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4ca4 w628 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,731,<span class=\"_ _0\"></span>756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca5 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x966 y4ca5 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x967 y4ca5 w62a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">164<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x968 y4ca5 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca6 w62c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x969 y4ca6 w62d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96a y4ca6 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96b y4ca6 w62f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _2\"></span>454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca7 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4ca7 w630 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4ca7 w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4ca7 w632 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9e w633 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96f y4c9e w634 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x970 y4c9e w635 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x971 y4c9e w636 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _d\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w637 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, gro<span class=\"_ _0\"></span>ss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x972 y4ca8 w638 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x973 y4ca8 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x974 y4ca8 w63a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>5<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x975 y4aa1 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>11,315)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x976 y4aa1 w63c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>,778)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x977 y4aa1 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w63d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x978 y4b3c w63e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x979 y4b3c w63f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97a y4b3c w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _0\"></span>057<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca9 w641 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97b y4ca9 w642 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,232<span class=\"_ _2\"></span>,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97c y4ca9 w643 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,861,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97d y4ca9 w644 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs436\">As at 31 December 2023, loans <span class=\"_ _0\"></span>to customers carried at GEL 9<span class=\"_ _0\"></span>54<span class=\"_ _2\"></span>,695 (2022: GEL 1,<span class=\"_ _0\"></span>092,<span class=\"_ _2\"></span>475, 2021: GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _d\"></span>125,<span class=\"_ _0\"></span>955) were pledged <span class=\"_ _0\"></span>for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs437\">short-term loans fr<span class=\"_ _0\"></span>om the NBG.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs438\">Expected credit los<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs439\">Movements of<span class=\"_ _0\"></span> the gross loans and r<span class=\"_ _0\"></span>espective allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans to customers b<span class=\"_ _0\"></span>y class ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43a\">provided in <span class=\"_ _0\"></span>the table below<span class=\"_ _0\"></span>, within which the ne<span class=\"_ _0\"></span>w financial asset originated or pur<span class=\"_ _0\"></span>chased and the assets repaid during <span class=\"_ _0\"></span>the year </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43b\">include the eff<span class=\"_ _0\"></span>ects fr<span class=\"_ _0\"></span>om revolving loans and incr<span class=\"_ _0\"></span>ease of exposur<span class=\"_ _0\"></span>e to clients, wher<span class=\"_ _0\"></span>e existing loans have been r<span class=\"_ _0\"></span>epaid with new </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43c\">contr<span class=\"_ _0\"></span>acts issued during the year<span class=\"_ _5\"></span>. All new financial assets ar<span class=\"_ _0\"></span>e originated either in Stage 1 or POCI category<span class=\"_ _d\"></span>. Utilisation of additional </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43d\">tranches on e<span class=\"_ _0\"></span>xisting financial assets are r<span class=\"_ _0\"></span>eflected in Stage 2 or Stage 3 if<span class=\"_ _0\"></span> the credit risk of <span class=\"_ _0\"></span>the borrower has de<span class=\"_ _0\"></span>teriorated since </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43e\">initiation. Currency<span class=\"_ _0\"></span> translation dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es relate to loans issued b<span class=\"_ _0\"></span>y the subsidiaries of<span class=\"_ _0\"></span> the Group whose f<span class=\"_ _0\"></span>unctional currency is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs43f\">diff<span class=\"_ _0\"></span>erent f<span class=\"_ _0\"></span>rom the pr<span class=\"_ _0\"></span>esentation currency<span class=\"_ _0\"></span> of the Group<span class=\"_ _0\"></span>, while for<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement relates <span class=\"_ _0\"></span>to for<span class=\"_ _0\"></span>eign currency denominated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs440\">loans issued by<span class=\"_ _0\"></span> the Group. Ne<span class=\"_ _0\"></span>t other changes in gross loan balance<span class=\"_ _0\"></span>s includes the eff<span class=\"_ _0\"></span>ects of changes in accrued interes<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Net other </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs441\">measurement o<span class=\"_ _0\"></span>f ECL includes the ef<span class=\"_ _0\"></span>fect of changes in ECL<span class=\"_ _0\"></span> due to post-model adjustments, changes in PDs and other<span class=\"_ _0\"></span> inputs, as well </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs442\">as the eff<span class=\"_ _0\"></span>ect fr<span class=\"_ _0\"></span>om ECL attributable <span class=\"_ _0\"></span>to changes in accrued intere<span class=\"_ _0\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"gs443\"><table class=\"s w645 h123\" id=\"_2e907da6-1f8d-4468-abd1-12376c704318\"><tr><td class=\"c n x1ca y4caa w646 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4cab w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4cab w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4cab w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4cab w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4cab wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cac w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4cac w652 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,382<span class=\"_ _2\"></span>,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x989 y4cac w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98a y4cac w31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98b y4cac w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,820<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98c y4cac w53c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>460,419<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w656 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98e y4cad w657 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,262)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cae w659 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408,616<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x990 y4cae w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">413,869<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x991 y4cae w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4caf w65c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,314)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x995 y4caf w65d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,720<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x996 y4caf w65e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x999 y4cb0 w660 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165,<span class=\"_ _0\"></span>947)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99a y4cb0 w661 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99b y4cb0 w662 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99d y4cb0 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(166,529)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99e y4cb1 w664 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,279<span class=\"_ _d\"></span>,698)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99f y4cb1 w665 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(318,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a0 y4cb1 w666 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(96,<span class=\"_ _0\"></span>967)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a1 y4cb1 w667 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a2 y4cb1 w668 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,7<span class=\"_ _0\"></span>05,733<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb2 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4cb2 w66a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4cb2 w66b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a5 y4cb2 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a7 y4cb2 w66c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a8 y4cb3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(755)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a9 y4cb3 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9aa y4cb3 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78e y4cb3 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ab y4cb3 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x890 y4cb4 w56a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ac y4cb4 w672 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,490<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4cb4 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(375)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ae y4cb4 w674 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9af y4cb4 w675 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb5 w676 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b0 y4cb5 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b1 y4cb5 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b2 y4cb5 w678 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4cb5 we5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b4 y4cb5 w679 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,033<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b8 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ba y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bb y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bc y4cb6 w67f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb7 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9be y4cb7 w681 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bf y4cb7 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c0 y4cb7 w683 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72c y4a9f w21f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c1 y4a9f w685 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(3,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c2 y4a9f w1af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,756)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c3 y4a9f w686 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4ca8 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4ca8 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4ca8 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4ca8 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4ca8 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ac8 w90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _2\"></span>,801<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ca y4ac8 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">21,497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cb y4ac8 w68e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">114,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4b3c w690 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cd y4b3c w691 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">515,<span class=\"_ _0\"></span>789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ce y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cf y4b3c w692 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls1 ws5e\">2<span class=\"_ _39\"></span>,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d0 y4b3c w693 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>903,319<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs444\"><table class=\"s w694 h124\" id=\"_2a088a08-0751-465a-929e-93e47d500497\"><tr><td class=\"c n x1ca y4cb8 w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cb8 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cb8 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cb8 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cb8 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cb8 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4cb9 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4cb9 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4cb9 w564 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">4<span class=\"_ _2\"></span>4,<span class=\"_ _2\"></span>247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d8 y4cb9 w427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4cb9 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9da y4cba w699 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>952<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9db y4cba w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cba w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4cba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9de y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbb w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9df y4cbb w69b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e0 y4cbb w69c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,811)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x785 y4cbc w69d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,004)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e3 y4cbc w69e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e4 y4cbc w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,389)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e7 y4cbd w69f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e8 y4cbd w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,406)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e9 y4cbd w6a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cbe ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ec y4cae w6a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ed y4cae w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ee y4cae w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ef y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f0 y4cae w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f1 y4caf w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f2 y4caf w6a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f3 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f5 y4caf w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(538)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,364)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f7 y4cb0 w6aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f8 y4cb0 w6ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>09)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f9 y4cb0 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fa y4cb0 w2d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,428)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fb y4cb1 w6ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fc y4cb1 w6ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fd y4cb1 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fe y4cb1 w6b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ff y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa00 y4cbf w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa01 y4cbf w6b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(14<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbf w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa03 y4cbf w435 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa04 y4cb3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa05 y4cb3 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x911 y4cb3 w6b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa06 y4cb3 w6b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa07 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(425)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa08 y4cb4 w6b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,005<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb4 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0a y4cb4 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,249<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0b y4cb4 w6bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0c y4cb4 w6bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,76<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,823)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0d y4a9b w6be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,5<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0e y4a9b w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0f y4a9b w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa10 y4a9b w6c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa12 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa14 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa17 y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa18 y4cb6 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1a y4a9e w165 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1b y4a9e w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1c y4a9e w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1d y4a9f w6c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1e y4a9f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1f y4a9f w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,296)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa21 y4a9f w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,486)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4ca8 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4ca8 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4ca8 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4ca8 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4ca8 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa28 y4ac8 w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39,56<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa29 y4ac8 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2a y4ac8 w6cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls7d ws37\">48,497<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4b3c w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2c y4b3c w6cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2e y4b3c w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4b3c w6cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">51,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4aa3 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4aa3 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4aa3 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4aa3 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w6d0 h125\" id=\"_4ec8e50c-f0b8-49ee-a3a6-3eaf5a5d28f4\"><tr><td class=\"c n x1ca y4cc0 w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cc0 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cc0 w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cc0 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cc0 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cc0 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc1 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4cc1 w6d4 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4cc1 w6d5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa37 y4cc1 w6d6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa38 y4cc1 w6d7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x928 y4cc1 w6d8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa39 y4cc2 w6d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,527<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3a y4cc2 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3c y4cc2 w2c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3d y4cc2 w6da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,541,<span class=\"_ _d\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3e y4cc3 w6db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc3 w6dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268,798)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa41 y4cb0 w6dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa42 y4cb0 w6de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _2\"></span>,400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa43 y4cb0 w6df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa45 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc4 w6e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4cc4 w6e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,67<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x733 y4cc4 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cbf w2df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,081,098)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4b y4cbf w6e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4c y4cbf w6e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4d y4cbf w148 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4e y4cbf w6e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>175,415)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4cb3 w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa50 y4cb3 w6e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa51 y4cb3 w6e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(83)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa52 y4cb3 w6e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(185)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa53 y4cb3 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">399<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa54 y4a9a w6eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa55 y4a9a w6ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(150)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa56 y4a9a w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa57 y4a9a w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa58 y4a9a w6ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>962<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa59 y4a9b w6ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,727)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5a y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5b y4a9b w6f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5c y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4a9b w6f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,852)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4a9f w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa68 y4a9f w6fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa69 y4a9f w6fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6b y4a9f w41 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,205)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa0 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa0 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa0 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa0 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa0 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa71 y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa72 y4ac8 w5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa73 y4ac8 w701 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa74 y4aa2 w702 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa2 w703 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\"><span class=\"ffb\">1</span>74,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa75 y4aa2 w453 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>0,7<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa76 y4aa2 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">30,09<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa77 y4aa2 w34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,555,265<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs446\"><table class=\"s w705 h126\" id=\"_7f2c53b1-db11-4e34-aa2b-e27e4acc1ed1\"><tr><td class=\"c n x1ca y4cc5 w706 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cc5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cc5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cc5 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cc5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cc5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4cc6 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4cc6 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa81 y4cc6 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa82 y4cbc w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa85 y4cbc w70a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4cc7 w70b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76a y4cc7 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26b y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8a y4cc8 w5ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">9,9<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8b y4cc8 w70d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>196)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x910 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8c y4cc9 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,612)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8d y4cc9 w70e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>152)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8e y4cc9 w70f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">4<span class=\"_ _39\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cca ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa90 y4cb0 w710 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa91 y4cb0 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa92 y4cb0 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,016<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa93 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa94 y4cb0 w711 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa95 y4cc4 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,516)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa96 y4cc4 w713 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(747)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa97 y4cc4 w714 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa98 y4cc4 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa99 y4cc4 w666 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,359)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9b y4cbf w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">1<span class=\"_ _2\"></span>,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9c y4cbf w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9d y4cbf w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9e y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9f y4cb3 w719 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa0 y4cb3 w71a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa1 y4cb3 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa2 y4cb3 w71b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa3 y4a9a w71c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,690<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa4 y4a9a w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4a9a w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,842<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa6 y4a9a w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9a w71f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa8 y4a9b w720 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa9 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x738 y4a9b w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaa y4a9b w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaab y4a9b w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,729<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaad y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaae y4a9f w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaf y4a9f w728 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa0 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa0 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa0 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa0 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa0 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab5 y4ac8 w72e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab6 y4ac8 w72f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab7 y4ac8 w730 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">321<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4aa2 w731 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab8 y4aa2 w732 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab9 y4aa2 w733 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaba y4aa2 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,604<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabb y4aa2 w735 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>429<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa3 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa3 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa3 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa3 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w736 h127\" id=\"_b6a23412-108b-4283-bae5-2ceae5f02a46\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4ccc w739 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4ccc w73a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac2 y4ccc w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac3 y4ccc w547 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac4 y4ccc w73c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac5 y4ccd w73d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,729<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac6 y4ccd w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4ccd w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,502<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac9 y4ccd w73e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,732,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaca y4cc2 w73f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x780 y4cc2 w740 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,013)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4cc3 w741 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>308,580)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacf y4cc3 w291 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad0 y4cc3 w742 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,465)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w743 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4cce w744 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(115,231)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad4 y4cce w745 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,086<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad5 y4cc4 w746 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,273,519<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad6 y4cc4 w747 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(81,401)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4cc4 w748 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,<span class=\"_ _d\"></span>161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad7 y4cc4 w749 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,572)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad8 y4cc4 w74a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,421,653)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf w24c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(75,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xada y4cbf w74b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4cbf w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadb y4cbf w74d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(78,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w74e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xade y4ccf w74f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadf y4ccf w750 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae0 y4ccf w552 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(2,448)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4a9a w751 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _5\"></span>,031<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae2 y4a9a w752 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae3 y4a9a w13d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9a w2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae5 y4a9a w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,210<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b w754 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae7 y4a9b w755 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae8 y4a9b w756 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae9 y4a9b w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaea y4a9b w757 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,531<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4c0c w758 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4c0c w1be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4c0c w759 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf3 y4c95 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf4 y4c95 w4a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>998)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4c95 w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf6 y4c95 w75e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>152)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa0 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa0 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa0 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa0 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60b y4c91 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafc y4c91 w764 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4aa2 w765 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>709<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafd y4aa2 w766 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _2\"></span>1,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4aa2 w80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _0\"></span>,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafe y4aa2 w767 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa2 w768 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,043,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s w694 h128\" id=\"_aff069b7-8faa-429b-9d0a-d97fc5da5662\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4cd1 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb01 y4cd1 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb02 y4cd1 w76b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb03 y4cd1 w76c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb04 y4cd1 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cd2 w76d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb06 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb07 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb08 y4cd2 w76f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbc w770 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,627<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0a y4cbc w771 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0d y4cc7 w772 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,665)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0e y4cc7 w773 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,372<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4cc7 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb10 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w4a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,90<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb12 y4cc8 w63f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,647)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb13 y4cc8 w775 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,54<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb15 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(754)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb17 y4cc3 w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,692)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb18 y4cc3 w32f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,5<span class=\"_ _0\"></span>91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb19 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1a y4cc3 w777 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,<span class=\"_ _0\"></span>145<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1b y4cb0 w34e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4cb0 w778 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1d y4cb0 w583 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,7<span class=\"_ _0\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1e y4cb0 w779 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1f y4cb0 w77a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,787)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb21 y4cc4 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb22 y4cc4 w3ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(868)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4cc4 w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(735)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb25 y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb26 y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb27 y4cbf w77e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,24<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb28 y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb29 y4cbf w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,227)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2a y4cb3 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2b y4cb3 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2c y4cb3 w77f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3fa y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2d y4cb3 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,456<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w781 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,661)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2f y4a9a w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb30 y4a9a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb31 y4a9a w3cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">596<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb32 y4a9a w20a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w784 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,<span class=\"_ _0\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb33 y4a9b w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb34 y4a9b w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb35 y4a9b wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4a9b w786 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,818<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4a9c w758 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4a9c w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4a9c w759 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(139<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb38 y4a9f w788 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb39 y4a9f w789 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,204)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3a y4a9f w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,515)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa0 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa0 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa0 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa0 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa0 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb40 y4ac8 w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac8 w384 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb42 y4aa2 w500 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb43 y4aa2 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb44 y4aa2 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4aa2 w78f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb46 y4aa2 w790 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">5<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa3 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa3 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa3 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa3 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa3 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w791 h127\" id=\"_5fa29628-6b4e-4d24-af6d-75481b6fdb92\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4ccc w793 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4ccc w794 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4ccc w795 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4ccc w796 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4ccc w797 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4ccd w1dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,547<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb52 y4ccd w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb53 y4ccd w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb54 y4ccd w562 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>964<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb55 y4ccd w798 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,572,535<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb56 y4cc2 w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,459<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb57 y4cc2 w79a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(289,423)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb58 y4cc2 w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5a y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 w79c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>473,300<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5c y4cc3 w79d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">524<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5d y4cc3 w79e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5f y4cce w79f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _0\"></span>199)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb60 y4cce w7a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110,688<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb61 y4cce w7a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb63 y4cc4 w7a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>179,<span class=\"_ _d\"></span>954)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb64 y4cc4 w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(107<span class=\"_ _5\"></span>,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb65 y4cc4 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(69,<span class=\"_ _0\"></span>753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x959 y4cc4 w7a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb66 y4cc4 w7a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,369<span class=\"_ _d\"></span>,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb67 y4cbf w7a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb68 y4cbf w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb69 y4cbf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6b y4cbf w6a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6d y4ccf w7aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4ccf w27c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6f y4ccf w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb70 y4ccf w7ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,092)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb71 y4a9a w7ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb72 y4a9a w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9a w7ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb74 y4a9a w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">89<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb75 y4a9a w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">5,787<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb76 y4a9b w7b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(508)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb77 y4a9b w7b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,333)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb78 y4a9b w7b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb79 y4a9b w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4a9b w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4c0c w7b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4c0c w7b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4c0c w7b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb83 y4c95 w7bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">(<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb84 y4c95 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4c95 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb87 y4c95 w7bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,77<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa0 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa0 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa0 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa0 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa0 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8d y4c91 w7c1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8e y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8f y4c91 w7c2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 lsa3 ws89\">2,464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4c91 w7c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,463<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4aa2 w7c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,325,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb93 y4aa2 w7c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _2\"></span>4,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb94 y4aa2 w7c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4aa2 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb96 y4aa2 w109 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,697<span class=\"_ _d\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s w791 h128\" id=\"_8dd5a2b0-71c8-4d1a-8c8c-0f62c595511d\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4cd1 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4cd1 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9e y4cd1 w7ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">6<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9f y4cd1 w7cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4cd1 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cd2 w7cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba2 y4cd2 w7ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba3 y4cd2 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba4 y4cd2 w7d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba5 y4cbc w7d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba6 y4cbc w7d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,094)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba7 y4cbc w7d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 w226 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,869)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba9 y4cc7 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaa y4cc7 w7d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,336)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>49<span class=\"_ _d\"></span>,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4cc8 w7d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbae y4cc8 w5ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaf y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w7d7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb1 y4cc3 w7d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,<span class=\"_ _0\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb2 y4cc3 w7d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb3 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(457)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb4 y4cb0 w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb5 y4cb0 w7db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb6 y4cb0 w7dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb7 y4cb0 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,886)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb8 y4cb0 w7dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cc4 w7de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbba y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbb y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbd y4cc4 w7df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbe y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,235)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc0 y4cbf w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc1 y4cbf w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4cb3 w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc3 y4cb3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc4 y4cb3 w7e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc5 y4cb3 w7e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc6 y4cb3 w7e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w7e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>175)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc7 y4a9a w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc8 y4a9a w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4a9a w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4a9a w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbca y4a9b w95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcb y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,210)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcc y4a9b w7e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcd y4a9b w7a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4a9b w60c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4a9c w7b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4a9c w7b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4a9c w7b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(269)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd0 y4a9f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x48e y4a9f w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd1 y4a9f w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa0 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa0 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa0 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa0 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa0 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd6 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd8 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd9 y4aa2 w46a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbda y4aa2 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,044<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdb y4aa2 w4aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">62,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdc y4aa2 w7f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdd y4aa2 w7f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">130,571<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa3 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa3 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa3 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa3 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w7f3 h129\" id=\"_b9c3ca8e-f69a-464e-9f54-369221287cd6\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4cd5 w7f5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4cd5 w7f6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe5 y4cd5 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cd5 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe6 y4cd5 w7f8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe7 y4cce w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe9 y4cce w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">401<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbeb y4cce w7fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>95<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cc4 w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbed y4cc4 w7fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,660)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c7 y4cbf w7fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbef y4cbf w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf0 y4cbf w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,493)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4ccf w800 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79d y4ccf w801 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,800)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf1 y4ccf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4a9a w802 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,379<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf5 y4a9a w803 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,67<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf6 y4a9a w804 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>124)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf7 y4a9a w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,<span class=\"_ _d\"></span>179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf8 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4a9b w806 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9b w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4c0c w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfb y4c0c w3be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfc y4c0c w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfe y4c0c w808 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbff y4a9d w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4a9d w809 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc00 y4a9d w80a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4a9d w5d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4c96 w80e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4c96 w80f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4c97 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4c97 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4c97 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4c97 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4c97 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0d y4aa2 w812 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0e y4aa2 w813 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0f y4aa2 w814 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4aa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc11 y4aa2 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs44b\"><table class=\"s w815 h12a\" id=\"_9212ce4a-2725-4b55-a5f7-2583d1538a38\"><tr><td class=\"c n x1ca y4cd6 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4cd6 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4cd6 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4cd6 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4cd6 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4cd6 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd7 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4cd7 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4cd7 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4cd7 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cd7 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc19 y4cd7 w819 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd8 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cd8 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1b y4cd8 w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cd9 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc20 y4cd9 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc21 y4cd9 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cda w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cda w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc25 y4cda w81a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc26 y4cda w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cdb ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb4 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc27 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc28 y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc29 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2a y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2b y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2c y4a9b w81b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2d y4a9b w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2e y4a9b w81d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2f y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc30 y4a9b w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc31 y4a9c w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc32 y4a9c w1a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc33 y4a9c w81e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc35 y4a9c w81f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc36 y4cb6 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc37 y4cb6 w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc38 y4cb6 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc39 y4cb6 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4b3a w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4b3a w80f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4b3b w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4b3b w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4b3b w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4b3b w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4b3b w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3e y4b3c w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3f y4b3c w824 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls5 wse\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc40 y4b3c w825 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4b3c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc41 y4b3c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4aa3 w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4aa3 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4aa3 w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4aa3 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w827 h123\" id=\"_416532df-9b95-47db-bccf-d2fb560cacbb\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4cab w829 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc43 y4cab w82a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc44 y4cab w82b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc45 y4cab w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc46 y4cab w82c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4cdc w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">4,<span class=\"_ _2\"></span>574,<span class=\"_ _0\"></span>787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc47 y4cdc w82e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc48 y4cdc w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc49 y4cdc w82f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,9<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4a y4cdc w830 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,617<span class=\"_ _d\"></span>,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4b y4cad w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202,<span class=\"_ _2\"></span>422<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4c y4cad w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(202,<span class=\"_ _2\"></span>422)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w833 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(773,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4cae w834 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">803,<span class=\"_ _0\"></span>734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc50 y4cae w835 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cc3 w836 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc53 y4cc3 w837 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(98,586<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc54 y4cc3 w838 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc55 y4cb0 w839 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc56 y4cb0 w83a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc57 y4cb0 w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(8<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b8 y4cb0 w83b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,824)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cb1 w83c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,092,938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc58 y4cb1 w83d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(217<span class=\"_ _d\"></span>,06<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb1 w83e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(83,<span class=\"_ _d\"></span>154)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4cb1 w83f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>9,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5b y4cb1 w840 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,402,<span class=\"_ _0\"></span>919)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w841 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5d y4cbf w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,622<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w63f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,567)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5f y4cbf w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc60 y4cb3 w843 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,330<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc61 y4cb3 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc62 y4cb3 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc63 y4cb3 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc64 y4cb3 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,499<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc65 y4cb4 w845 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(512<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc66 y4cb4 w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(89,<span class=\"_ _0\"></span>055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc67 y4cb4 w847 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc68 y4cb4 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,843)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc69 y4cb4 w848 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(627<span class=\"_ _5\"></span>,288)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6a y4a9b w849 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,<span class=\"_ _d\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6b y4a9b w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4a9b w84a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6d y4a9b w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(653)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6e y4a9b w84b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,001<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w84f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,<span class=\"_ _0\"></span>751)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc77 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc78 y4a9f w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4a9f w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,690)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa0 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa0 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7a y4aa0 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7b y4aa0 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7c y4aa0 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7d y4b45 w559 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _0\"></span>,486<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4b45 w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,603<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94a y4b45 w853 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,089<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4b46 w854 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc80 y4b46 w7f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc81 y4b46 w855 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b46 w856 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc83 y4b46 w857 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>142,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc84 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc85 y4aa3 w858 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc86 y4aa3 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc87 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs44d\"><table class=\"s w859 h12b\" id=\"_fe6514ef-ec98-4d68-96c1-614c9d323213\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4cb9 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4cb9 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8a y4cb9 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8b y4cb9 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8c y4cb9 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cba w387 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8d y4cba w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8e y4cba w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4cba w85e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc90 y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,630<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cd2 w85f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc91 y4cd2 w860 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc93 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc94 y4cbc w152 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc95 y4cbc w861 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc96 y4cbc w862 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc97 y4cbd w863 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc98 y4cbd w864 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc99 y4cbd w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9a y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cae w866 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9c y4cae w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9d y4cae w868 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9e y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9f y4cae w869 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca0 y4cc3 w86a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca2 y4cc3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca3 y4cc3 w86c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca4 y4cb0 w86d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca5 y4cb0 w86e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca6 y4cb0 w86f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _d\"></span>,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca7 y4cb0 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4cb0 w870 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(77<span class=\"_ _d\"></span>,840)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca9 y4cb1 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,404<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaa y4cb1 w871 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcab y4cb1 w872 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(99<span class=\"_ _2\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcad y4cb1 w3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,380<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcae y4cbf w873 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaf y4cbf w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cbf w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb0 y4cbf w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb1 y4cbf w875 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 w876 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb3 y4cb3 w877 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,696<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb3 w878 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,613)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb4 y4cb3 w879 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(883)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb5 y4cb3 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,<span class=\"_ _0\"></span>113)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cb4 w87a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,810<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb6 y4cb4 w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb7 y4cb4 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,29<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb8 y4cb4 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5<span class=\"_ _2\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb9 y4cb4 w87d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _d\"></span>188)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcba y4a9b w87e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4a9b w87f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,716<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbb y4a9b w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _2\"></span>491)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbc y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,582)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbd y4a9b w881 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,687)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbe y4a9f w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>079)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbf y4a9f w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>941)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4a9f w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa0 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa0 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa0 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa0 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4aa0 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4b45 w884 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc6 y4b45 w5bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc7 y4b46 w885 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4b46 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc8 y4b46 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc9 y4b46 w1e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4b46 w886 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,572<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa3 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa3 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa3 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccb y4aa3 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w887 h127\" id=\"_ae4d5402-a8bc-4e7e-961e-5127055d7237\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4ccc w888 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4ccc w889 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4ccc w88a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4ccc w88b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4ccc w88c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd1 y4ccd w88d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,46<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd2 y4ccd w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ccd wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd3 y4ccd w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd4 y4ccd w88e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,480,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd5 y4cc2 w88f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">403,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd6 y4cc2 w890 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(403,398)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd7 y4cc2 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd8 y4cc3 w891 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(375,<span class=\"_ _d\"></span>932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd9 y4cc3 w892 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>43,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcda y4cc3 w893 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cce w894 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>171)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdc y4cce w895 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(49<span class=\"_ _d\"></span>,817)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdd y4cce w708 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,<span class=\"_ _0\"></span>988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4cc4 w896 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(901,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdf y4cc4 w897 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>945)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce0 y4cc4 w898 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(49<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4cc4 w899 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,849<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x902 y4cc4 w89a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,019<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce2 y4cbf w187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce6 y4cbf w89b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce8 y4ccf w1e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce9 y4ccf w89c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcea y4ccf w6b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(16<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xceb y4ccf w89d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w89e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(254,899)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xced y4a9a w89f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4a9a w8a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,022)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcef y4a9a w244 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,527)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf0 y4a9a w8a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(288,001)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf1 y4a9b w8a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf2 y4a9b w8a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,211)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf3 y4a9b w8a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf4 y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf5 y4a9b w41f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,220<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4c0c w8a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4c0c w508 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4c0c w8a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4a9d w8a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4a9d w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4c95 w8aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfe y4c95 w8ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcff y4c95 w8ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd00 y4c95 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa0 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa0 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa0 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa0 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd04 y4ade w427 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd05 y4ade w8af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>925,<span class=\"_ _0\"></span>906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd06 y4adf w8b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4adf w8b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,717<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd07 y4adf w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd08 y4adf w8b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>190,264<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa3 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa3 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa3 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s w8b4 h12c\" id=\"_ba45e64b-2b2c-4a61-9355-86fe4b62864f\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4cc6 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4cc6 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4cc6 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0b y4cc6 w8b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">2,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0c y4cc6 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cbc w8ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,452<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4cbc w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x925 y4cbc w8bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,855<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbd w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,673<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73c y4cbd w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,608)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0f y4cbd w8bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w8be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,236<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd10 y4cc8 w8bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd11 y4cc8 w8c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,7<span class=\"_ _0\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd13 y4cc9 w8c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd14 y4cc9 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,484)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd15 y4cc9 w8c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w8c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,807)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd16 y4cb0 w8c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(10,903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd17 y4cb0 w8c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd18 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd19 y4cb0 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>943)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1a y4cb1 w8c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,731)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1b y4cb1 w8c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(961)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4cb1 w8c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,220<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1d y4cb1 w8c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>1<span class=\"_ _2\"></span>03)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1e y4cb1 w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,015)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd20 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd21 y4cbf w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd22 y4cbf w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd23 y4cbf w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,006<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd25 y4cb3 w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd26 y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd27 y4cb3 w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,516)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cb4 w8cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4cb4 w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd29 y4cb4 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,39<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2a y4cb4 w8cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2b y4cb4 w8ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,222<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2c y4a9b w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(839<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2d y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,20<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2e y4a9b w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,628)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2f y4a9b w8d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4a9b w8d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,39<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4a9c w8a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4a9c w508 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4a9c w8a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4cb6 w8a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4cb6 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4cb6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd31 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x942 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd32 y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4ca8 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4ca8 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4ca8 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd33 y4ca8 w8d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd34 y4ca8 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd35 y4b45 w8d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd36 y4b45 w8d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">576<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd37 y4b46 w8d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4b46 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd38 y4b46 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd39 y4b46 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x23d y4b46 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,4<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4aa3 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4aa3 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3a y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3b y4aa3 w8d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w8d8 h127\" id=\"_89254d3c-4f01-4be2-8cb3-c6052b312561\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4ccc w8d9 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3d y4ccc w8da hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3e y4ccc w8db hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3f y4ccc w298 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd40 y4ccc w8dc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd w8dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>953,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd42 y4ccd w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,854<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd43 y4ccd w8df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd44 y4ccd w8e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>966,088<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd45 y4cc2 w8e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">337<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd46 y4cc2 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(337<span class=\"_ _0\"></span>,049)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4a y4cc3 w8e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(442,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4b y4cc3 w8e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4c y4cc3 w8e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>,857)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w8e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4e y4cce w8e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,47<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4f y4cce w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">157<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd51 y4cc4 w8e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>142,<span class=\"_ _0\"></span>937)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd52 y4cc4 w8e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(125,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd53 y4cc4 w8ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71,<span class=\"_ _0\"></span>105)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd54 y4cc4 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>917)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd55 y4cc4 w8ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,345,789<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd56 y4cbf w246 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,<span class=\"_ _0\"></span>709<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd57 y4cbf w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,680<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd58 y4cbf w8ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd59 y4cbf w8ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,355)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5a y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5b y4ccf w185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5c y4ccf w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5d y4ccf w8f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,330)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w8f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(275,010)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5e y4a9a w8f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4a9a w8f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,669)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x893 y4a9a w8f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(350)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd60 y4a9a w8f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>947)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w8f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd62 y4a9b w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4a9b w8c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd63 y4a9b w1e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ce y4a9b w8f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4c0c w8f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4c0c w8f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4c0c w578 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6b y4c95 w8fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6c y4c95 w1c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4c95 w8fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61c y4c95 w8ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,795)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4aa0 w73a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa0 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6e y4aa0 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6f y4aa0 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ade w7e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd70 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w901 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd71 y4adf w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd72 y4adf w903 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd73 y4adf w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd74 y4adf w4d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>86,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd76 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd77 y4aa3 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s w48e h128\" id=\"_f4748e5e-a738-40ac-8fb6-2b13282dc824\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4cd1 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd79 y4cd1 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7a y4cd1 w33b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7b y4cd1 w908 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7c y4cd1 w4dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7d y4cd2 w909 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7e y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 w90a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">97<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd80 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd81 y4cd2 w90b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,300<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd82 y4cbc w90c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd83 y4cbc w90d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cc7 w90e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,873)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd86 y4cc7 w90f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd87 y4cc7 w910 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w6f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,295)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd89 y4cc8 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8a y4cc8 w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w913 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8d y4cc3 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(9,<span class=\"_ _d\"></span>903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8e y4cc3 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8f y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd90 y4cc3 w915 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,212<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,663)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd91 y4cb0 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd92 y4cb0 wcd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4cb0 w917 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd93 y4cb0 w918 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,738)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w919 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd94 y4cc4 w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd95 y4cc4 w91b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd96 y4cc4 w91c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,523<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd97 y4cbf w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd98 y4cbf w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd99 y4cbf w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9b y4cbf w91e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>145)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9c y4cb3 w290 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9d y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4cb3 w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9f y4cb3 w91f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda0 y4cb3 w920 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a w921 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4a9a w922 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda3 y4a9a w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda4 y4a9a w923 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda5 y4a9a w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda6 y4a9b w925 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda7 y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,012)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda8 y4a9b w926 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda9 y4a9b w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">49<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaa y4a9b w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w8f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4a9c w8f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4a9c w578 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4a9f w927 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(9<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdab y4a9f w424 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4a9f w928 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,003)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa0 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa0 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdad y4aa0 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdae y4aa0 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaf y4aa0 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb0 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb1 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89f y4adf w92b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>0,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb2 y4adf w92c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb3 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>765<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb4 y4adf w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb5 y4adf w92e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">52,950<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa3 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa3 w92f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4aa3 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4aa3 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb6 y4aa3 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w827 h127\" id=\"_a53383e8-2713-468f-95e7-ee105a77607b\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4ccc w930 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4ccc w931 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4ccc w618 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdba y4ccc w932 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbb y4ccc w933 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd w4e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,313,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbc y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbd y4ccd w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4ccd w481 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbe y4ccd w935 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,337<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>421<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 w936 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc0 y4cc2 w937 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(344,445)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc1 y4cc2 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cc3 w366 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(534<span class=\"_ _2\"></span>,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc3 y4cc3 w939 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">608,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc4 y4cc3 w93a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc5 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc6 y4cce w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,557)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc7 y4cce w93c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(167<span class=\"_ _5\"></span>,897)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc8 y4cce w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc9 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 w93d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>992)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcb y4cc4 w93e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcc y4cc4 w93f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64<span class=\"_ _2\"></span>,593)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcd y4cc4 w940 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,241)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdce y4cc4 w941 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,537<span class=\"_ _d\"></span>,062)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcf y4cbf w468 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd0 y4cbf w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cd y4cbf w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4cbf w944 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd2 y4ccf w945 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd3 y4ccf w946 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4ccf w947 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd5 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd6 y4ccf w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,683)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd7 y4a9a w949 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(86,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd8 y4a9a w94a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _0\"></span>100<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd9 y4a9a w6d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdda y4a9a w94b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(61<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddb y4a9a w2d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,859)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddc y4a9b w94c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _2\"></span>406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddd y4a9b w9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdde y4a9b w94d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddf y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde0 y4a9b w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,019<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4c0c w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4c0c w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4c0c w94f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdea y4c95 w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,540)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdeb y4c95 w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdec y4c95 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(163)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xded y4c95 w918 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,7<span class=\"_ _0\"></span>83)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa0 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdee y4aa0 w955 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdef y4aa0 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf0 y4aa0 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>2<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf1 y4aa0 w957 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf2 y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76d y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4adf w959 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf3 y4adf w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4adf w7c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c y4adf w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,996<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf5 y4adf w1d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,599<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4aa3 w795 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4aa3 w796 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s w95c h128\" id=\"_d9846a58-07a7-4cae-9a9e-0559c5e52d28\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4cd1 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4cd1 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4cd1 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4cd1 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf9 y4cd1 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cd2 w962 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfb y4cd2 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfc y4cd2 w964 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfd y4cd2 w8df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfe y4cd2 w965 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdff y4cbc w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b6 y4cbc w966 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe00 y4cbc w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe01 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe02 y4cc7 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,429)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe03 y4cc7 w967 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe04 y4cc7 w93f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,6<span class=\"_ _2\"></span>46)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w968 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>1,4<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4cc8 w969 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4cc8 w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,290<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe07 y4cc3 w96b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe08 y4cc3 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe09 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4cc3 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,489<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w96d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,829<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0b y4cb0 w96e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,884)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0c y4cb0 w96f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,047)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0d y4cb0 w970 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0e y4cb0 w971 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,523)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cc4 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe10 y4cc4 w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">156<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe11 y4cc4 w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe12 y4cc4 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe13 y4cbf w973 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe14 y4cbf w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4cbf w974 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe16 y4cbf w975 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe17 y4cbf w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,561)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4cb3 w976 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe19 y4cb3 w977 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(6<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1a y4cb3 w2cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1b y4cb3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1c y4cb3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>77)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w978 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1e y4a9a w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,34<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1f y4a9a w979 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4a9a w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9a wc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _0\"></span>720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe22 y4a9b w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,449)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe23 y4a9b w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(9<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe24 y4a9b w97b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe25 y4a9b w97c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe26 y4a9b w97d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4a9c w805 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4a9c w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4a9c w94f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f w97e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe28 y4a9f w97f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe29 y4a9f w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(201)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2b y4a9f w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(<span class=\"_ _2\"></span>248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa0 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2c y4aa0 w60c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2d y4aa0 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2e y4aa0 w983 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4aa0 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2f y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe30 y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe31 y4adf w984 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4adf w5f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe33 y4adf w985 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>902<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4adf w986 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe34 y4adf w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa3 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4aa3 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe35 y4aa3 w988 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe36 y4aa3 w989 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe37 y4aa3 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w98a h12d\" id=\"_98cd836a-1e9e-46d4-aa71-12892845329f\"><tr><td class=\"c n x1ca y4ce1 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4ce1 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4ce2 w98b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4ce2 w98c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3a y4ce2 w98d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ce2 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3c y4ce2 w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cc3 w98e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _2\"></span>,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3d y4cc3 w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3e y4cc3 w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4cc3 w98f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cb0 w990 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3f y4cb0 w991 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,4<span class=\"_ _2\"></span>60)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe41 y4cb1 w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,040<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe42 y4cb1 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,6<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe43 y4cb1 w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,602)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe44 y4cbf w993 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,251)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe45 y4cbf w994 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,75<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe46 y4cbf w995 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe47 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe48 y4cb3 w996 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb3 w997 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe49 y4cb3 w998 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,05<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cb3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4a y4cb3 w999 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4b y4cb4 w99a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4d y4cb4 w99b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4e y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4f y4cb4 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe50 y4a9b w99d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe51 y4a9b w7e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4a9b w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe53 y4a9b w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe54 y4a9c w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,461)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe55 y4a9c w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe56 y4a9c w9a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe57 y4a9c w9a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">748<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4a9f w69a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4a9f w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa0 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa0 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5e y4aa0 w7f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5f y4aa0 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe60 y4aa0 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\"><span class=\"ff2\">1</span>6<span class=\"_ _2\"></span>4,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe63 y4b46 w9a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe64 y4b46 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe65 y4b46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe67 y4b46 w9a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe68 y4aa3 w806 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d y4aa3 w9a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">164,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs452\"><table class=\"s w9a8 h12e\" id=\"_77ea960e-6634-4680-927e-3093b9c01e6d\"><tr><td class=\"c n x1ca y4ce3 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce3 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce3 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce3 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce3 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce3 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce4 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4ce4 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4ce4 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4ce4 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4ce4 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4ce4 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cc4 w113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6d y4cc4 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cbf w9ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(1<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6e y4cbf w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6f y4cbf w5c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe70 y4ccf w9af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe71 y4ccf w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe72 y4ccf w942 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe74 y4a9a w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe75 y4a9a w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe76 y4a9a w9b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(3<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe77 y4a9a w9b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4a9b w9b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ad y4a9b w1bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(8<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9b w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe79 y4a9b w9b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4c0c w9b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7b y4c0c w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7c y4c0c w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7d y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7e y4c0c w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4c95 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4c95 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa0 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4aa0 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4aa0 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4aa0 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe80 y4aa0 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe81 y4adf w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe82 y4adf w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe83 y4adf w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe84 y4adf w9b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa3 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe85 y4aa3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe86 y4aa3 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe87 y4aa3 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w48e h123\" id=\"_3460ea70-5895-4514-9d3d-813b15de55ed\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4cab w9bb hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,491,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe88 y4cab w9bc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">382,<span class=\"_ _0\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe89 y4cab w9bd hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">241,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8a y4cab w508 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8b y4cab w527 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>123,393<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4cdc w9be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,093<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8c y4cdc w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8d y4cdc w9bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4cdc w9c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8f y4cdc w16c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,405,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w9c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe90 y4cad w9c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(229,399<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe91 y4cad w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w9c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(373,532)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe93 y4cae w9c4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">394,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4cae w9c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,021)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc3 w9c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe94 y4cc3 w9c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52<span class=\"_ _2\"></span>,529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe95 y4cc3 w47f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cb0 w9c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe98 y4cb0 w9c9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,04<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe99 y4cb0 w9ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(12<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9a y4cb0 w9cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cb1 w9cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,479<span class=\"_ _d\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9c y4cb1 w9cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(159<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9d y4cb1 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,689)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9e y4cb1 w9cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9f y4cb1 w9d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,7<span class=\"_ _0\"></span>41,371)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w9d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea0 y4cbf w9d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea1 y4cbf w9d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>164<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea2 y4cbf w9d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">146,856<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea3 y4cb3 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea4 y4cb3 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4cb3 w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea5 y4cb3 w71b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea6 y4cb3 w9d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea7 y4cb4 w9d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(361,<span class=\"_ _0\"></span>065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea8 y4cb4 w9d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea9 y4cb4 w580 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,555)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaa y4cb4 w9d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeab y4cb4 w9d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(398,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x745 y4a9b w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeac y4a9b w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(806)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xead y4a9b w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9b w9db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeae y4a9b w5b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w9e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,742)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb6 y4a9f w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(358)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb7 y4a9f w9e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>66)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb8 y4a9f w9e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>966)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa0 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa0 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeba y4aa0 w9e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebb y4aa0 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebc y4aa0 w9e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebd y4b45 w9e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">203,431<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebe y4b45 w9e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4b45 w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>997<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec0 y4b46 w9eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec1 y4b46 w9ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec2 y4b46 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec3 y4b46 w9ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,44<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec4 y4b46 w5d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,3<span class=\"_ _2\"></span>41,<span class=\"_ _d\"></span>187<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec6 y4aa3 w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec7 y4aa3 w9f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs44d\"><table class=\"s w705 h12b\" id=\"_1c2c0fa8-2c38-4d89-92fd-04a5db645e7f\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec8 y4cb9 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec9 y4cb9 w1d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cb9 w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,572<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4cb9 w9f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4cb9 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">178,556<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cba w308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,591<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4cba w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xece y4cba w730 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ce y4cba w9f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecf y4cba w754 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,357<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cd2 w9f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed0 y4cd2 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed1 y4cd2 w9f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cbc w9f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>904)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed2 y4cbc w9f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed3 y4cbc w9fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4cbd w9fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,769)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed4 y4cbd w673 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(374)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed5 y4cbd w9fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed6 y4cae w9fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed7 y4cae w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed8 y4cae w9fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed9 y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeda y4cae w9ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">2<span class=\"_ _39\"></span>,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedb y4cc3 w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedc y4cc3 wa00 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedd y4cc3 wa01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4cc3 wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedf y4cb0 w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,412)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee0 y4cb0 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,694<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee1 y4cb0 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _0\"></span>,3<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee2 y4cb0 wa04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cb0 w743 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,552)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cb1 wa05 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee4 y4cb1 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee6 y4cb1 w255 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee7 y4cbf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee8 y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeea y4cbf wa06 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeeb y4cbf w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(942)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeec y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeed y4cb3 wa07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,25<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeee y4cb3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeef y4cb3 wa08 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,327)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4cb4 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,543)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef1 y4cb4 w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef2 y4cb4 wa09 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef3 y4cb4 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef4 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>,16<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef5 y4a9b wa0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,353)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef6 y4a9b wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef7 y4a9b wa0c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(46,<span class=\"_ _0\"></span>706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4a9b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef9 y4a9b wa0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f wa0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(132)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefa y4a9f wa0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4a9f wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefb y4a9f w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa0 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefc y4aa0 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefe y4aa0 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeff y4aa0 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4b45 w5a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">126,724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf00 y4b45 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,837<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf01 y4b45 wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _0\"></span>,561<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf02 y4b46 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf03 y4b46 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf04 y4b46 w7af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf05 y4b46 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf06 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,654<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa3 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4aa3 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf07 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4aa3 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf08 y4aa3 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w815 h127\" id=\"_a0901027-9ce5-4756-99d4-1903061a0cbd\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4ccc wa13 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,287<span class=\"_ _d\"></span>,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf09 y4ccc wa14 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">314,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0a y4ccc wa15 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">168,476<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0b y4ccc wa16 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">25,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0c y4ccc wa17 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,796,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd wa18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,549<span class=\"_ _0\"></span>,472<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0d y4ccd wa19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0e y4ccd w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4ccd wa1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0f y4ccd w1e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,563,<span class=\"_ _2\"></span>428<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 wa1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,840<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf10 y4cc2 wa1c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(407<span class=\"_ _5\"></span>,795)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf11 y4cc2 wa1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,045)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf12 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 wa1e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(34<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf13 y4cc3 wa1f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">588,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf14 y4cc3 wa20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(243,659<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf15 y4cce wa21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(158,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf16 y4cce wa22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _d\"></span>,954<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf17 y4cce w5dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf18 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf19 y4cc4 w1d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>975,730<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1a y4cc4 wa23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(94,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cc4 w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,5<span class=\"_ _2\"></span>44)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4cc4 wa24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,287)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4cc4 wa25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>152,692)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1c y4cbf w70b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1d y4cbf wa26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1e y4cbf wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4ccf wa28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1f y4ccf wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf21 y4ccf wa10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(283)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf22 y4ccf w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf23 y4a9a wa2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(155,<span class=\"_ _0\"></span>793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf24 y4a9a wa2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,366<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf25 y4a9a wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4a9a wa2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,6<span class=\"_ _2\"></span>48)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bb y4a9a wa2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(178,045)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b wa2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf27 y4a9b w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,472)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf28 y4a9b w12c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf29 y4a9b wa30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">300<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2a y4a9b w9fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4c0c wa31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4c0c w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4c0c w648 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9d w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9d wa32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9d w6bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9e w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9e w5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf32 y4c95 wa33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>910)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf33 y4c95 wa34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf34 y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4c95 w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf35 y4c95 w877 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>955)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa0 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa0 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa0 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa0 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4aa0 w88c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf36 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf37 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf38 y4adf wa36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,629<span class=\"_ _0\"></span>,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf39 y4adf wa37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">259<span class=\"_ _0\"></span>,97<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3a y4adf wa38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3b y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3c y4adf wa39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,021,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa3 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3d y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s wa3b h12c\" id=\"_01ad466d-aeff-4ae8-ac82-a0182ce7153c\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3e y4cc6 wa3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3f y4cc6 wa3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf40 y4cc6 wa3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf41 y4cc6 wa3f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf42 y4cc6 wa40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">48,609<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cbc wa41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>065<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf43 y4cbc w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4cbc w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf45 y4cbc wa42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf46 y4cbc wa43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>959<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf47 y4cbd w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf48 y4cbd wa44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf49 y4cbd wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,788)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4a y4cc8 wa46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,679<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4b y4cc8 wa4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,641<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4c y4cc8 w526 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4d y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4e y4cc9 wa47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4f y4cc9 wa48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,725)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf50 y4cc9 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,562)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf52 y4cb0 w63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf53 y4cb0 wa49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf55 y4cb0 wa4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,083)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf56 y4cb1 wa4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,621)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf57 y4cb1 w454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,674)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf58 y4cb1 wa4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf59 y4cb1 w82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5a y4cb1 wa4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>960)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5b y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5d y4cbf wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5e y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5f y4cb3 wa29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf60 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf61 y4cb3 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf62 y4cb4 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(470)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf63 y4cb4 wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf64 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,732)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf65 y4cb4 w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(409)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf66 y4cb4 w7b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4a9b w902 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,545)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf67 y4a9b w41f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>943<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x617 y4a9b wa50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf68 y4a9b w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf69 y4a9b w49e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,051<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6b y4a9c w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,607)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4a9c w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,684)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6c y4a9c wa52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6d y4a9c wa53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,719)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4cb6 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4cb6 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4cb6 w648 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9e wa32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9e w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9f w78f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9f w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9f w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4ca8 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4ca8 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6e y4ca8 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6f y4ca8 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf70 y4ca8 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf71 y4b45 w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf72 y4b45 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf73 y4b46 wa56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf74 y4b46 wa57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf75 y4b46 w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf76 y4b46 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4b46 w481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>031<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4aa3 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf77 y4aa3 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf78 y4aa3 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf79 y4aa3 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7a y4aa3 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wa58 h127\" id=\"_d4da73fc-98d5-4872-b297-c44ba386f538\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7b y4ccc wa59 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,649<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7c y4ccc wa5a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">439,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7d y4ccc wa5b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6b ws9f\">1<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7e y4ccc wa5c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,471<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7f y4ccc wa5d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,269<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd wa5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,303,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf80 y4ccd w1ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf81 y4ccd wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf82 y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,599<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf83 y4ccd wa60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,330,293<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf84 y4cc2 wa61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">384,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf85 y4cc2 wa62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(377<span class=\"_ _d\"></span>,752)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf86 y4cc2 wa63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,659)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 w5c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(571,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf87 y4cc3 wa64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">678,669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf88 y4cc3 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,824)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8a y4cce w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(108,524)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8b y4cce wa65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,029<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8c y4cce wa66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>987<span class=\"_ _d\"></span>,068)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8d y4cc4 w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282,<span class=\"_ _0\"></span>948)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8e y4cc4 w7d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>106)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8f y4cc4 wa68 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">(<span class=\"_ _0\"></span>4,<span class=\"_ _0\"></span>718)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf90 y4cc4 wa69 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,370,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf wa6a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(247<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf91 y4cbf wa6b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf92 y4cbf wa6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,790<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf93 y4cbf wa6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf94 y4cbf wa6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(291,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">319<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf95 y4ccf w71f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf96 y4ccf w784 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,384<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf97 y4ccf w97f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4ccf w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,866)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf98 y4a9a wa6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180,781)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf99 y4a9a w88a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9a y4a9a w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>9,9<span class=\"_ _39\"></span>1<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9b y4a9a w788 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(271)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9c y4a9a wa70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w5eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9d y4a9b w6a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4a9b w11d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9e y4a9b wa71 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9f y4a9b wa72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4c0c wa73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4c0c w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4c0c wa74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4c95 wa78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,49<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa8 y4c95 wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa9 y4c95 w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(386)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaa y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfab y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa0 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa0 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa0 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4aa0 wa7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfae y4aa0 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaf y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb0 y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb1 y4adf wa7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _d\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb2 y4adf wa7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb3 y4adf w125 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb4 y4adf wa7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb5 y4adf wa80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>08,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb6 y4aa3 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,<span class=\"_ _2\"></span>499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb7 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4aa3 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s wa58 h128\" id=\"_2c896681-e843-4645-8781-b6cfe6e87d82\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb9 y4cd1 wa81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfba y4cd1 wa82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbb y4cd1 w1c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">55,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbc y4cd1 wa83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cd1 wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cd2 wa85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,47<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbd y4cd2 w1b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 wdc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbe y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4cd2 wa86 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,453<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc0 y4cbc w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc1 y4cbc wa87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,84<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4cbc w944 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc3 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc4 y4cc7 wa88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc5 y4cc7 wa89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc6 y4cc7 w5dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,625)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cc8 wa8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>914)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc7 y4cc8 wa8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>459)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4cc8 wa8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,373<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 wa8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,218)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc9 y4cc3 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfca y4cc3 w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcb y4cc3 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcc y4cb0 wa8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,879<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcd y4cb0 wa90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,632)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfce y4cb0 wa91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,573)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcf y4cb0 wa92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd0 y4cb0 wa93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,052)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4cc4 wa94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,280<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd2 y4cc4 wa95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(476)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd3 y4cc4 w280 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd4 y4cc4 wa96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>938)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd5 y4cbf wa97 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x903 y4cbf wa98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd6 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd7 y4cbf wa99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>184)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd8 y4cb3 wa9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,020<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd9 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(184)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfda y4cb3 w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,826)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdb y4cb3 w9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdc y4cb3 wa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>109)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a wa9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdd y4a9a wa9c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfde y4a9a w72a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdf y4a9a w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4a9a w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,299)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4a9b wa9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe1 y4a9b wa9e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe2 y4a9b wa9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe3 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(435)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe4 y4a9b w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>40)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4a9c wa73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4a9c w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4a9c wa74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(62<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe5 y4a9f waa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe6 y4a9f waa2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe8 y4a9f w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(36<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa0 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa0 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfea y4aa0 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfeb y4aa0 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfec y4aa0 waa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>44<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfed y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfee y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4adf waa6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfef y4adf w85c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4adf waa7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,9<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4adf w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff2 y4adf waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa3 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa3 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff3 y4aa3 waa9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff4 y4aa3 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4aa3 waaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>,4<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s waab h127\" id=\"_8ca889fc-cd2e-49c9-84f9-ae9f63dc2855\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff5 y4ccc waac hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>904<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff6 y4ccc waad hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">194,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff7 y4ccc waae hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">100,<span class=\"_ _d\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff8 y4ccc waaf hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff9 y4ccc wab0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,208,013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffa y4ccd wab1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,7<span class=\"_ _0\"></span>47<span class=\"_ _d\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffb y4ccd wab2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffc y4ccd wab3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffd y4ccd wab4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffe y4ccd wab5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,775,280<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c7 y4cc2 wab6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270<span class=\"_ _0\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfff y4cc2 wab7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>10)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4cc2 wab8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 wab9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(367<span class=\"_ _d\"></span>,600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1000 y4cc3 waba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">489,<span class=\"_ _0\"></span>718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4cc3 wabb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122,<span class=\"_ _d\"></span>118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1002 y4cce wabc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(134<span class=\"_ _2\"></span>,641)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1003 y4cce wabd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,558)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1004 y4cce wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 wabf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,849<span class=\"_ _0\"></span>,334)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc4 wac0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(100,322)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1005 y4cc4 wac1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,39<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4cc4 w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1007 y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,347)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1008 y4cbf wac2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1009 y4cbf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100a y4cbf wac4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100b y4cbf w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100c y4cbf wac5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,647<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100d y4ccf wec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100e y4ccf wac6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,482)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100f y4ccf wac7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1010 y4ccf w766 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1011 y4a9a w496 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1012 y4a9a wac8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,590<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1013 y4a9a wac9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(688)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1014 y4a9a waca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(223)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1015 y4a9a w51c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(54,293)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1016 y4a9b wacb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1017 y4a9b w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(215)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4a9b wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1018 y4a9b wacd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1019 y4a9b w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4c0c wace hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4c0c wacf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4c0c wad0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1022 y4c95 wad2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6,0<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1023 y4c95 w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1024 y4c95 wad3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(68<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1025 y4c95 wad4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>195)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa0 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4aa0 w931 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4aa0 w618 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1026 y4aa0 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1027 y4aa0 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1028 y4ade w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1029 y4ade wad6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf wad7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b8 y4adf wad8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102a y4adf wad9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102b y4adf wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _d\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102c y4adf wadb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>979<span class=\"_ _0\"></span>,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4aa3 w2ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1030 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs448\"><table class=\"s wade h128\" id=\"_80a5f9a8-3b51-43af-b7f2-825903d84df8\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1031 y4cd1 w596 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,597<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1032 y4cd1 wadf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1033 y4cd1 wae0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">46,6<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1034 y4cd1 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1035 y4cd1 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">113,801<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cd2 wae2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,4<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4cd2 wae3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1037 y4cd2 w491 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1038 y4cd2 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1039 y4cd2 w9d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cbc w14e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103b y4cbc wae4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,256<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103c y4cbc wae5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,695)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 wae6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,684<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103d y4cc7 wae7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103e y4cc7 wae8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(48,4<span class=\"_ _0\"></span>64)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 wae9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103f y4cc8 waea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>176)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1040 y4cc8 waeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1041 y4cc3 waec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,239)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1042 y4cc3 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,279)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1043 y4cc3 waee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1044 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1045 y4cc3 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 waef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1046 y4cb0 w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,239<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1047 y4cb0 w9cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1048 y4cb0 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(<span class=\"_ _2\"></span>1,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1049 y4cb0 waf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>126)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104a y4cc4 waf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104b y4cc4 w1e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104c y4cc4 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104d y4cc4 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">813<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104e y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104f y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4cbf waf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,036<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1051 y4cbf w709 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>034)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 waf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1052 y4cb3 waf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1053 y4cb3 w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1054 y4cb3 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1055 y4cb3 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(862)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w6e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _5\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1056 y4a9a waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1057 y4a9a waf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4a9a wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1059 y4a9a waf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,433<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,49<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105a y4a9b wafa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4a9b wafb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105b y4a9b w4ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105c y4a9b w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,214<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4a9c wace hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4a9c wacf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4a9c wad0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f wafc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105d y4a9f wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105e y4a9f wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105f y4a9f waff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa0 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4aa0 wb00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1061 y4aa0 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1062 y4aa0 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1063 y4aa0 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1064 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1065 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1066 y4adf wb01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1067 y4adf wb02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1068 y4adf wb03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1069 y4adf wb04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106a y4adf wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa3 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4aa3 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4aa3 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4aa3 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106b y4aa3 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wb05 h129\" id=\"_fd3a1cf7-7827-459f-9daf-e8fccb20802f\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106c y4cd5 w982 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>,775<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106d y4cd5 wb06 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4cd5 wae3 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4cd5 w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106e y4cd5 wb07 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">103,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cce wb08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106f y4cce wb09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1070 y4cce w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1071 y4cce w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>1,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1072 y4cc4 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1073 y4cc4 wb0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1074 y4cc4 w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1076 y4cbf wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,<span class=\"_ _0\"></span>129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1077 y4cbf w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,266<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1078 y4cbf wb0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>137)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4ccf wb0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,856<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1079 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,531)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107a y4ccf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107b y4a9a wb0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,<span class=\"_ _d\"></span>964)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107c y4a9a wb0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,222)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107d y4a9a wb10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107f y4a9a wfc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4a9b w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1080 y4a9b wb11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1081 y4a9b w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1082 y4a9b wb12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,211<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1083 y4c0c w9b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1084 y4c0c w723 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1085 y4c0c wafd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1086 y4c0c w871 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1087 y4a9d w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1088 y4a9d w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1089 y4a9d w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82a y4a9d w7ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">823<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4c97 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4c97 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4c97 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c97 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1090 y4c97 wb16 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1091 y4adf wb17 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x889 y4adf wb18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1092 y4adf wb19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1093 y4adf wb1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1094 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1095 y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs44b\"><table class=\"s wb1b h12f\" id=\"_5c6093e1-b088-488f-9d07-cb678feebe1f\"><tr><td class=\"c n x1ca y4ce5 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce5 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1097 y4ce6 wb1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1098 y4ce6 wb1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1099 y4ce6 wb1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109a y4ce6 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109b y4ce6 wb1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109c y4cc9 wb20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109d y4cc9 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109e y4cc9 w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce7 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109f y4ce7 wb21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a0 y4ce7 wb22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a1 y4ce7 wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x941 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a2 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a3 y4ce8 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a4 y4ce8 w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a5 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cd9 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a6 y4cd9 wb24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4cd9 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce9 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ccf w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a8 y4ccf waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a9 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10aa y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ab y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ac y4ccf wb25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ad y4a9a wb26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(177)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ae y4a9a w9ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10af y4a9a w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b0 y4a9a wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b1 y4a9b w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b2 y4a9b wb27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b3 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b4 y4a9b wb28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4c0c wb29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b5 y4c0c wb2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(281)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b6 y4c0c wb2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">4<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b7 y4c0c wb2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9d wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b8 y4a9d wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b9 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">320<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ba y4a9d w174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,098<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4b3b w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4b3b w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4b3b w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4b3b w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4b3b w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4adf w43f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bb y4adf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bc y4adf wb2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bd y4adf wb2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4aa3 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4aa3 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4aa3 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4aa3 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs458\">The contr<span class=\"_ _0\"></span>actual amounts outstanding on all loans to customers that hav<span class=\"_ _0\"></span>e been written off during <span class=\"_ _0\"></span>the reporting period but are still </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs459\">subject to enf<span class=\"_ _0\"></span>orcement activity<span class=\"_ _0\"></span> was GEL 138,<span class=\"_ _d\"></span>972 (2022: GEL 188,545, 2021: GEL<span class=\"_ _0\"></span> 95,469).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs45a\">Collater<span class=\"_ _0\"></span>al and other credit enhanc<span class=\"_ _0\"></span>ements </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs45b\">The amount and type of collater<span class=\"_ _0\"></span>al requir<span class=\"_ _0\"></span>ed depends on an assessment of the cr<span class=\"_ _0\"></span>edit risk of the count<span class=\"_ _0\"></span>erpart<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>. Guidelines are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs45c\">implemented regar<span class=\"_ _0\"></span>ding the accept<span class=\"_ _0\"></span>ability of types of collater<span class=\"_ _0\"></span>al and valuation par<span class=\"_ _0\"></span>ameters.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs45d\">The main types of collater<span class=\"_ _0\"></span>al obtained are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs45e\">\u2022 <span class=\"_ _59\"> </span>For commer<span class=\"_ _0\"></span>cial lending, charges over<span class=\"_ _0\"></span> real estate pr<span class=\"_ _0\"></span>operties, equipment and machiner<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, corporate shares, in<span class=\"_ _0\"></span>ventory<span class=\"_ _0\"></span>, trade </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs45f\">receiv<span class=\"_ _0\"></span>ables, third-party corpor<span class=\"_ _0\"></span>ate guarantees and per<span class=\"_ _0\"></span>sonal guarantees of shar<span class=\"_ _0\"></span>eholders.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs460\">\u2022 <span class=\"_ _59\"> </span>For r<span class=\"_ _0\"></span>etail lending, mortgages over r<span class=\"_ _0\"></span>esidential properties, cars, gold and jewellery<span class=\"_ _d\"></span>, third-party corpor<span class=\"_ _0\"></span>ate guarant<span class=\"_ _0\"></span>ees and personal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs461\">guarantees o<span class=\"_ _0\"></span>f shareholders.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs462\">Management requests additional c<span class=\"_ _0\"></span>ollateral in accor<span class=\"_ _0\"></span>dance with the underlying agr<span class=\"_ _0\"></span>eement and monitors the mark<span class=\"_ _0\"></span>et value of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs463\">collateral ob<span class=\"_ _0\"></span>tained during its review<span class=\"_ _0\"></span> of the adequacy of<span class=\"_ _0\"></span> the allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs464\">It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy t<span class=\"_ _0\"></span>o dispose of repossessed pr<span class=\"_ _0\"></span>operties in an orderly <span class=\"_ _0\"></span>fashion or to hold <span class=\"_ _0\"></span>them for c<span class=\"_ _0\"></span>apital appreciation or earning </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs465\">rentals, as appr<span class=\"_ _0\"></span>opriate in each case. In gener<span class=\"_ _0\"></span>al, the Group does not oc<span class=\"_ _0\"></span>cupy r<span class=\"_ _0\"></span>epossessed properties f<span class=\"_ _0\"></span>or business use.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs467\">Without taking into acc<span class=\"_ _0\"></span>ount the discounted <span class=\"_ _0\"></span>value of collateral, <span class=\"_ _0\"></span>the ECL f<span class=\"_ _0\"></span>or credit<span class=\"_ _0\"></span>-impaired loans would be as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs468\"><table class=\"s wb30 h130\" id=\"_5ae3707c-b997-49f0-b23c-c9046e7da238\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cea ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4ceb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cec ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4ced ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cee ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cef ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf1 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c1 y4b42 w195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c2 y4b42 w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4c0f w76b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c4 y4c0f w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c5 y4b44 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,<span class=\"_ _d\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c6 y4b44 wb31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,430<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4b45 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c8 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,437<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c9 y4adf wb32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ca y4adf wb33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _d\"></span>,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cb y4aa3 wb35 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">436,375<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs469\"><table class=\"s wb30 h131\" id=\"_dd49b91a-c217-4c5e-b1c0-229ad16409bf\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cf2 ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cf3 ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cf4 ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cf5 ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cf6 ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cf7 ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf9 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cc y4b42 w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cd y4b42 wb36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">187<span class=\"_ _d\"></span>,653<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ce y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cf y4c0f wb38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,53<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4b44 w2c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d1 y4b44 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d2 y4b45 wb3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,597<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d4 y4adf w69e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d5 y4adf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d6 y4aa3 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">186,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d7 y4aa3 wb3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">497<span class=\"_ _5\"></span>,135<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs46a\"><table class=\"s wb30 h131\" id=\"_9fc85292-e063-4d30-b268-de018a1b0733\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cfa ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cfb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cfc ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cfd ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cfe ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cff ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4d00 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4d00 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4d01 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d8 y4b42 wb3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>984<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d9 y4b42 wb3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4c0f w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10db y4c0f w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4b44 wb3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dd y4b44 wb3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>929<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10de y4b45 w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10df y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e0 y4adf w1e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e1 y4adf w388 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e2 y4aa3 wb40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">257<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e3 y4aa3 wb41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">556,394<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs46b\">Concen<span class=\"_ _0\"></span>tration of loans to cu<span class=\"_ _0\"></span>stomers<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs46c\">As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> loans granted b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to the ten lar<span class=\"_ _0\"></span>gest third-party borr<span class=\"_ _0\"></span>owers comprised </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs46d\">GEL<span class=\"_ gs7d\"> </span>1,507<span class=\"_ _5\"></span>,812 accounting f<span class=\"_ _0\"></span>or 7% of the gr<span class=\"_ _0\"></span>oss loan portfolio of the Gr<span class=\"_ _0\"></span>oup (2022: GEL 1,<span class=\"_ _0\"></span>017<span class=\"_ _d\"></span>,629 and 6% respectively<span class=\"_ _d\"></span>, 2021:  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs46e\">GEL 1,375,536 and 8% r<span class=\"_ _0\"></span>espectively). An allo<span class=\"_ _0\"></span>wance of expected cr<span class=\"_ _0\"></span>edit loss of GEL<span class=\"_ _0\"></span> 13,524 (2022: GEL 8,209<span class=\"_ _d\"></span>, 2021: GEL 2,77<span class=\"_ _0\"></span>0)  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs46f\">was established against these loans.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs470\">As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> loans granted b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to the ten lar<span class=\"_ _0\"></span>gest third-party gr<span class=\"_ _0\"></span>oup of borrow<span class=\"_ _0\"></span>ers </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs471\">(borrower<span class=\"_ _0\"></span> and its related parties) comprised GEL<span class=\"_ _0\"></span> 2,414,054 accounting f<span class=\"_ _0\"></span>or 12% of the gr<span class=\"_ _0\"></span>oss loan portfolio of the Gr<span class=\"_ _0\"></span>oup (2022: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs472\">GEL<span class=\"_ gs7d\"> </span>1,736,6<span class=\"_ _0\"></span>14 and 10% respectively<span class=\"_ _d\"></span>, 2021: GEL<span class=\"_ _0\"></span> 2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>136,228 and 13% respectively). An allo<span class=\"_ _0\"></span>wance of expected cr<span class=\"_ _0\"></span>edit loss of GEL<span class=\"_ _0\"></span> 3,599 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs473\">(2022: GEL<span class=\"_ _0\"></span> 17<span class=\"_ _d\"></span>,392<span class=\"_ _2\"></span>, 2021: GEL 7<span class=\"_ _5\"></span>,386) was established against <span class=\"_ _0\"></span>these loans.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs475\">As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, loans w<span class=\"_ _0\"></span>ere principally issued <span class=\"_ _0\"></span>within Georgia, and their </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs476\">distribution by<span class=\"_ _0\"></span> industr<span class=\"_ _2\"></span>y sector <span class=\"_ _0\"></span>was as follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs403\"><table class=\"s w61c h132\" id=\"_44d86e0b-36cd-4cac-95b0-953530c366a1\"><tr><td></td><td class=\"c n x8d8 y4d02 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d02 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d02 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d03 wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4d03 wb43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,445,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e5 y4d03 wb44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>011,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e6 y4d03 wb45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>184,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d04 wb46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Real estate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63c y4d04 wb47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,608,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e7 y4d04 wb48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,024,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e8 y4d04 wb49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,025,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d05 wb4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Manufacturing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e9 y4d05 wb4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,477<span class=\"_ _d\"></span>,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ea y4d05 wb4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10eb y4d05 wb4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,377<span class=\"_ _d\"></span>,023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d06 wb4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ec y4d06 wb4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _0\"></span>76,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ed y4d06 wb50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>135,693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ee y4d06 w4fa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>189,<span class=\"_ _0\"></span>036<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 wb51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Hospitality<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ef y4d07 wb52 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975,621<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f0 y4d07 wb53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">828,577<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f1 y4d07 w65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">946,224<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d08 wb54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Electricity<span class=\"_ _0\"></span>, gas and water<span class=\"_ _0\"></span> supply<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f2 y4d08 wb55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">665,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f3 y4d08 w22f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">458,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f4 y4d08 wb56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 wb57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial intermediation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f5 y4d09 wad9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">401,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f6 y4d09 w5a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1,778<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f7 y4d09 w4fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">244<span class=\"_ _2\"></span>,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a wb58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f8 y4d0a w50c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">377<span class=\"_ _d\"></span>,857<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f9 y4d0a wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">512,345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4d0a wb5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">379<span class=\"_ _0\"></span>,813<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wb5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Service<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fa y4d0b wb5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fb y4d0b wb5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">302,4<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fc y4d0b wb5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _d\"></span>,602<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c wb5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransport and communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fd y4d0c wb60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273,0<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fe y4d0c w89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ff y4d0c w63a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _2\"></span>4,512<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mining and quarrying<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1100 y4ac6 wb62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,26<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1101 y4ac6 wb63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _2\"></span>489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1102 y4ac6 w148 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1103 y4ac7 w9eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,330,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1104 y4ac7 wb64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>131,792<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4ac7 wb65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">998,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1106 y4ac8 w62d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1107 y4ac8 wb67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1108 y4ac8 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4adf w630 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4adf w631 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4adf w632 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, ne<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1109 y4aa3 wb6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110a y4aa3 wb6b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110b y4aa3 w636 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _d\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs477\">Loans have been ext<span class=\"_ _0\"></span>ended to the f<span class=\"_ _0\"></span>ollowing types of customers:<span class=\"_ _3e0\"> </span></div><div class=\"gs478\"><table class=\"s w61c h133\" id=\"_b0afd29f-bafe-4f4c-87b1-adeade4d7177\"><tr><td></td><td class=\"c n x8d8 y4d0d w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d0d w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d0d w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4d0c wb43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,445,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e5 y4d0c wb44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>011,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e6 y4d0c wb45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>184,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Private companies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110c y4ac6 w73c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,050,06<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110d y4ac6 w288 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,086,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110e y4ac6 wb6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,257<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>93<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e wb6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">State-owned entities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110f y4d0e w38a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d0e wa7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1111 y4d0e w483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,472<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1112 y4ac8 wb6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1113 y4ac8 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1114 y4ac8 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4b46 w630 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4b46 w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4b46 w632 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, ne<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1109 y4aa3 wb6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110a y4aa3 wb6b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1115 y4aa3 w7a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _0\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs479\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div><div class=\"gs47a\"><table class=\"s wb70 h134\" id=\"_25802e71-2b55-4cef-af79-c5c7beeeecff\"><tr><td></td><td class=\"c n x8d8 y4d0f w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d0f w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d0f w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb71 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Minimum lease payments rec<span class=\"_ _0\"></span>eivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1116 y4ac6 wb72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1117 y4ac6 wb73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1118 y4ac6 w237 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,508<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e wb74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Unearned finance lease income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1119 y4d0e w8f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,695)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111a y4d0e w971 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,392)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111b y4d0e wac1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(43,556<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x111c y4ac8 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111d y4ac8 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111e y4ac8 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,<span class=\"_ _0\"></span>952<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wb77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss/impairment loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111f y4b46 wb78 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,315)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4b46 wb79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8,778)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1121 y4b46 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w63d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x978 y4aa3 w63e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x979 y4aa3 w63f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1122 y4aa3 wb7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,057<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs47b\">The diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the minimum lease payments to be rec<span class=\"_ _0\"></span>eived in the futur<span class=\"_ _0\"></span>e and the finance lease r<span class=\"_ _0\"></span>eceivables repr<span class=\"_ _0\"></span>esents </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs47c\">unearned finance income.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs47d\">As at 31 December 2023, <span class=\"_ _0\"></span>finance lease receivables c<span class=\"_ _0\"></span>arried at GEL 0 wer<span class=\"_ _0\"></span>e pledged for<span class=\"_ _0\"></span> inter-bank loans rec<span class=\"_ _0\"></span>eived fr<span class=\"_ _0\"></span>om several cr<span class=\"_ _0\"></span>edit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs47e\">institutions (2022: GEL<span class=\"_ _0\"></span> 16,<span class=\"_ _0\"></span>965, 2021: 67<span class=\"_ _5\"></span>,556).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs47f\">As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> investment in the fiv<span class=\"_ _0\"></span>e largest lease rec<span class=\"_ _0\"></span>eivables comprised GEL 18,436 or 25% o<span class=\"_ _0\"></span>f total </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs480\">finance lease rec<span class=\"_ _0\"></span>eivables (2022: GEL 20<span class=\"_ _0\"></span>,515 or 22%, 2021: GEL<span class=\"_ _0\"></span> 22<span class=\"_ _2\"></span>,417 or 18%). <span class=\"_ _0\"></span>An allowance of GEL<span class=\"_ _0\"></span> 47<span class=\"_ _0\"></span>4 (2022: GEL 973, 20<span class=\"_ _0\"></span>21: GEL </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs481\">956) <span class=\"_ _0\"></span>was established against these lease rec<span class=\"_ _0\"></span>eivables.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs483\">Futur<span class=\"_ _0\"></span>e minimum lease payments to be rec<span class=\"_ _0\"></span>eived after 31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December 20<span class=\"_ _0\"></span>21 are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs468\"><table class=\"s w5c8 h135\" id=\"_f33033d7-3bb2-4f3c-ac2b-4666827f7d47\"><tr><td></td><td class=\"c n x8d8 y4c9b w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9b w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9b w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7c wb7b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws18\">Within 1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1123 y4c7c wb7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">48,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1124 y4c7c wb7d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">51,9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1125 y4c7c w979 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,407<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wb7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 1 to 2 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4b42 w9fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1126 y4b42 w395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1127 y4b42 wb7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _d\"></span>929<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wb80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 2 to 3 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1128 y4b43 wb81 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1129 y4b43 wa43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112a y4b43 w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7e wb82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 3 to 4 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112b y4c7e wb83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112c y4c7e w767 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112d y4c7e w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,996<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb84 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 4 to 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112e y4ac8 wb85 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112f y4ac8 wb86 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1130 y4ac8 wb85 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>159<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wb87 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">More than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1131 y4b46 wb88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,200<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1132 y4b46 wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1133 y4b46 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,627<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb8a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Minimum lease payment rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1134 y4aa3 wb8b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1,<span class=\"_ _0\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1135 y4aa3 w20d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">120,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1136 y4aa3 w4d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,508<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs484\">Movements of<span class=\"_ _0\"></span> the gross finance lease r<span class=\"_ _0\"></span>eceivables and r<span class=\"_ _0\"></span>espective allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of finance lease </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs485\">receiv<span class=\"_ _0\"></span>ables are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs486\"><table class=\"s wa3b h125\" id=\"_2baa4782-cef8-425f-ab08-9b3951aa15c8\"><tr><td class=\"c n x1ca y4cc0 wb8c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4cc0 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4cc0 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4cc0 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4cc0 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4cc0 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d10 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4d10 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4d10 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4d10 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113f y4d10 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2ad y4d10 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7d y4cc2 wb91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,851<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1140 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1141 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1142 y4cc2 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74e y4cc2 wb92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,376<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cc3 w1d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1143 y4cc3 wb93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>8,7<span class=\"_ _0\"></span>02)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1144 y4cc3 w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(594)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1145 y4cce wb94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,459)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc7 y4cce w5f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4cce w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,992)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1146 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8c y4cc4 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,59<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1147 y4cc4 wb96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _d\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1148 y4cc4 wb97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1149 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114a y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cbf wb98 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114b y4cbf w9bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114c y4cbf w6f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,285)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114d y4cbf w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,389)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114e y4cbf wb99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,513)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114f y4ccf w7e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1150 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1151 y4ccf w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1152 y4ccf w6e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(83)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1153 y4a9a wb9a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1154 y4a9a w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1155 y4a9a wb9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1156 y4a9a wb9c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>04)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1157 y4a9a wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,796<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1087 y4a9b wb9e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">987<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1158 y4a9b w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1159 y4a9b wb9f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>48<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115a y4a9b w3eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(59)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115b y4a9b wba0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115c y4c0c w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,429)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115d y4c0c wba1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49c y4c0c w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>116)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115e y4a9d wa0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115f y4a9d wa0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1160 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1161 y4a9e w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1162 y4a9e wba2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4c95 wba3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,420)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1163 y4c95 w414 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1164 y4c95 wba4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6<span class=\"_ _2\"></span>26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1165 y4c95 wba5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,472)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa0 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa0 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa0 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa0 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa0 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1064 y4c91 wa29 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1169 y4c91 wa26 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116a y4aa2 wba9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116b y4aa2 wbaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116c y4aa2 wbab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116d y4aa2 wa43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116e y4aa2 wbac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">73,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa3 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa3 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa3 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa3 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs487\"><table class=\"s wbad h12c\" id=\"_76dbc0b7-ff05-4311-855d-ad669dabf5a6\"><tr><td class=\"c n x1ca y4cdf wbae h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4cdf w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4cdf wbaf h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d11 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4d11 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4d11 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4d11 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4d11 wbb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1177 y4d11 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1178 y4cbc wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,375<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1179 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117a y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117b y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117c y4cbc wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,375<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117d y4cbd wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117e y4cbd wbb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(262)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117f y4cbd w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d12 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1180 y4d12 wbb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(66<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1181 y4d12 wbb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">782<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1182 y4d12 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(119)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4d12 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1183 y4d12 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e7 y4cc9 wbb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(542)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1184 y4cc9 wbb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1185 y4cc9 wbba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">9<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d13 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1186 y4cb0 wbbb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1187 y4cb0 wa19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1188 y4cb0 wbbc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1189 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118a y4cb0 wbbd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118b y4cb1 wbbe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(558)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118c y4cb1 wbbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(184)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118d y4cb1 w735 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118e y4cb1 w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,394)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118f y4cb1 w6f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb2 w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104e y4cb2 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1190 y4cb2 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1191 y4cb3 wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1192 y4cb3 w1e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1193 y4cb3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1194 y4cb3 wbc1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1195 y4cb4 wbc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1196 y4cb4 w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd9 y4cb4 wbc3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1197 y4cb4 w10b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1198 y4cb4 wbc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb5 w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1199 y4cb5 wbc5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119a y4cb5 w9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119b y4cb5 wbc6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,32<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119c y4cb5 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119d y4cb5 w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,762<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119e y4a9c w1a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119f y4a9c wbc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a0 y4a9c wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115e y4cb6 wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115f y4cb6 wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb7 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1160 y4cb7 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1161 y4cb7 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1162 y4cb7 wba2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a1 y4a9f w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a2 y4a9f w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a3 y4a9f wb18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(880<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a4 y4a9f wbc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a5 y4ca8 wbc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a6 y4ca8 wbca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a7 y4ca8 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a8 y4ca8 wbcb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,848<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a9 y4ca8 wbcc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,315<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf36 y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4e y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11aa y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">158<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ab y4b3c wbcd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ac y4b3c w5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ad y4b3c wbce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ae y4b3c wbcf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,84<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11af y4b3c wbd0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a5 y4aa3 wbc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a6 y4aa3 wbca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a7 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a8 y4aa3 wbcb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,848<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a9 y4aa3 wbcc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,315<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wbd1 h12d\" id=\"_9a3147d0-dfa4-4e39-8146-60b259672313\"><tr><td class=\"c n x1ca y4ce1 wb8c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4ce1 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4ce2 wbd2 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4ce2 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4ce2 wbd4 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4ce2 w81d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4ce2 w619 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9da y4cc3 wbd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x359 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b4 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4cc3 wbd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b6 y4cc3 wbd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,893<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cb0 wbd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b7 y4cb0 w230 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,801)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b8 y4cb0 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,381)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b9 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ba y4cb1 wbd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,267)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bb y4cb1 w783 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bc y4cb1 wbda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bd y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4cbf w47f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11be y4cbf wbdb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>782)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bf y4cbf wbdc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c1 y4cb3 wbdd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(60,440)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c2 y4cb3 wbde hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,077)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4cb3 wbdf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,299)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4cb3 wbe0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,537)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c5 y4cb3 wbe1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,353)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4cb4 w874 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c6 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c8 y4cb4 w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4a9b w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c9 y4a9b w927 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ca y4a9b w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cb y4a9b w820 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cc y4a9c wbe2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cd y4a9c w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ce y4a9c w730 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">213<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cf y4a9c w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d0 y4a9c wbe3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4cb6 w185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,724)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d1 y4cb6 wbe4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e w874 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4a9e w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d3 y4a9f wa08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,273)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d4 y4a9f wbe5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,022)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d5 y4a9f wbe6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,040)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d7 y4a9f w7db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,335)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4aa0 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4aa0 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4aa0 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d8 y4aa0 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d9 y4aa0 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ec y4b45 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,245<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11da y4b45 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,245<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4b46 wbe8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _d\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11db y4b46 w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11dc y4b46 wbe9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,910<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11dd y4b46 w67f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11de y4b46 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4aa3 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4aa3 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4aa3 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d8 y4aa3 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d9 y4aa3 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs452\"><table class=\"s wbea h136\" id=\"_79eb4505-0d85-4d5d-8b5d-b47e9102a0bc\"><tr><td class=\"c n x1ca y4d14 wbae h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4d14 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4d14 w6d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4d14 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4d14 wbaf h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4d14 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d15 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4d15 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4d15 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4d15 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4d15 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4d15 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1178 y4cc8 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1179 y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117a y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117b y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117c y4cc8 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cc9 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e4 y4cc9 w3b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e5 y4cc9 w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(642)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x913 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e6 y4ce7 w77e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,24<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e7 y4ce7 w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e8 y4ce7 wbed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(772)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4ce7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ce7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e9 y4ce8 wbee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ea y4ce8 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11eb y4ce8 wbef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ec y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa45 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d16 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cbf w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ed y4cbf w307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,513)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ee y4cbf w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">586<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ef y4cbf wbf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f0 y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f1 y4cbf wbf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f2 y4cb3 wbf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(66<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f3 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(299)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f4 y4cb3 w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,645)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f5 y4cb3 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,856)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f6 y4cb3 wbf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,4<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f7 y4a9a w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f8 y4a9a wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4a9a w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f9 y4a9a w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fa y4a9b w113 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fb y4a9b wbf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fc y4a9b wbf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fd y4a9b w511 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">4<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fe y4a9b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,892<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ff y4a9c waaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(292)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1200 y4a9c wbf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1201 y4a9c wbf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1202 y4a9c w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1203 y4a9c wbf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11eb y4a9d wbf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ec y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1204 y4a9d wbf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4a9e w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1205 y4a9f w193 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1206 y4a9f w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(18)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1207 y4a9f w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1208 y4a9f wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1209 y4a9f wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4aa0 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4aa0 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4aa0 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120a y4aa0 wbfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120b y4aa0 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd35 y4b45 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd36 y4b45 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120c y4adf w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120d y4adf w23e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120e y4adf wbfb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4adf wbfc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120f y4adf w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,426<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4aa3 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4aa3 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4aa3 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120a y4aa3 wbfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120b y4aa3 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wbfd h12d\" id=\"_39e946f3-fc72-4ec7-8b13-58f73b6865e8\"><tr><td class=\"c n x1ca y4ce1 wb8c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4ce1 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1210 y4ce2 wbfe hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1211 y4ce2 wbff hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">53,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1212 y4ce2 w6ae hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">18,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1213 y4ce2 w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1214 y4ce2 wc00 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cc3 w194 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1215 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1216 y4cc3 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1217 y4cc3 wc01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cc3 wa1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,311<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cb0 wc02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _39\"></span>4,76<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbed y4cb0 wc03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">(34,<span class=\"_ _d\"></span>715)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1218 y4cb0 wa34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1219 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe02 y4cb1 wc04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(43,879<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121a y4cb1 wc05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121b y4cb1 wc06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,601)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121c y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd13 y4cbf w91c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>925)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121d y4cbf wc07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,434)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121e y4cbf wc08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1220 y4cb3 wc09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(60<span class=\"_ _0\"></span>,625)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf48 y4cb3 w85 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,<span class=\"_ _0\"></span>912)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1221 y4cb3 wc0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>116)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1222 y4cb3 w7e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1223 y4cb3 wcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(88,<span class=\"_ _0\"></span>775)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcae y4cb4 w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1224 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1225 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1226 y4cb4 w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4a9b wc0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1227 y4a9b wc0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1228 y4a9b wc0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>66)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1229 y4a9b wc0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(2<span class=\"_ _2\"></span>49)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122a y4a9b w928 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,003)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122b y4a9c w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(535)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122c y4a9c w750 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122d y4a9c w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122e y4a9c w981 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122f y4a9c wc0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,311<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1230 y4cb6 wc10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,232)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1231 y4cb6 wc10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,232)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1232 y4a9e w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1233 y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1234 y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1210 y4a9f wc11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,087)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1235 y4a9f w1c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,057)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1236 y4a9f w1a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(931)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1237 y4a9f w2ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,07<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa0 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa0 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa0 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa0 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa0 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1238 y4b45 w280 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1239 y4b45 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc7 y4b46 w855 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123a y4b46 wc12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123b y4b46 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,866<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123c y4b46 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123d y4b46 wc14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _2\"></span>,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa3 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa3 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa3 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs452\"><table class=\"s wc15 h137\" id=\"_abbb4a11-39b6-476e-8af2-59b24d01e07c\"><tr><td class=\"c n x1ca y4d17 wbae h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4d17 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4d17 w6d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4d17 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4d17 wbaf h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4d17 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123e y4ce6 wc16 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123f y4ce6 wc17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1240 y4ce6 w84a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4ce6 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1241 y4ce6 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,376<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1242 y4cc9 wc18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1243 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1244 y4cc9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">256<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1245 y4cc9 wc19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d18 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1246 y4d18 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1247 y4d18 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1248 y4d18 wc1a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4d18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1146 y4d18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1249 y4ce8 wc1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(9<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124a y4ce8 wc1c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,371<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124b y4ce8 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124c y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124d y4cd9 wc1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(85)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ac y4cd9 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>975)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124e y4cd9 wa3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,060<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d19 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124f y4cb3 wc1e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1250 y4cb3 wc1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1251 y4cb3 wc20 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1252 y4cb3 w767 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ad y4cb4 wc21 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>61<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1253 y4cb4 w80a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>67<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1254 y4cb4 w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1255 y4cb4 wc22 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,289)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1256 y4a9b wc23 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(207)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1257 y4a9b w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(78)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x906 y4a9b w7ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1258 y4a9b wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4a9b w43f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,238<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125a y4a9c w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125b y4a9c wa32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125c y4a9c wc25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125d y4a9c wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125e y4a9c w97c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87b y4cb6 wc26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,704)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125f y4cb6 wc26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,704)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1232 y4a9e w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1233 y4a9e w99f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1234 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f w97e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1260 y4a9f w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(550)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1261 y4a9f w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(152)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1262 y4a9f wc27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1263 y4a9f w427 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(750)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4ca8 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4ca8 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4ca8 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4ca8 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4ca8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1264 y4b45 w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1265 y4b45 wc28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,236<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ab y4b46 w945 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1266 y4b46 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1267 y4b46 wc29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1268 y4b46 wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1269 y4b46 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,659<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4aa3 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4aa3 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4aa3 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4aa3 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4aa3 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48a\">The Group writ<span class=\"_ _0\"></span>es off the financ<span class=\"_ _0\"></span>e lease receivable balance <span class=\"_ _0\"></span>when it takes possession of<span class=\"_ _0\"></span> the underlying asset. The diff<span class=\"_ _0\"></span>erence between </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48b\">the gross and ECL<span class=\"_ _0\"></span> balances at the time o<span class=\"_ _0\"></span>f write-off r<span class=\"_ _0\"></span>epresents the <span class=\"_ _0\"></span>value of the r<span class=\"_ _0\"></span>epossessed asset.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-776": {
   "value": "9<span class=\"_ _d\"></span>.  Loans to customers and financ<span class=\"_ _0\"></span>e lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span><table class=\"s w61c h121\" id=\"_882ed5a0-ca61-48d0-a686-dafcecd4d123\"><tr><td></td><td class=\"c n x8d8 y4ca1 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4ca1 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4ca1 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c79 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95b y4c79 w61d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _5\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95c y4c79 w61e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95d y4c79 w61f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca2 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95e y4ca2 w620 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls65 ws98\">4<span class=\"_ _2\"></span>,699,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x95f y4ca2 w621 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ab y4ca2 w622 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca3 w452 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x960 y4ca3 w623 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x961 y4ca3 w624 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x962 y4ca3 w625 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca4 w3df hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x963 y4ca4 w626 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,<span class=\"_ _0\"></span>022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x964 y4ca4 w627 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,25,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4ca4 w628 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,731,<span class=\"_ _0\"></span>756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca5 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x966 y4ca5 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x967 y4ca5 w62a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">164<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x968 y4ca5 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca6 w62c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x969 y4ca6 w62d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96a y4ca6 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96b y4ca6 w62f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _2\"></span>454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca7 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4ca7 w630 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4ca7 w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4ca7 w632 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9e w633 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised c<span class=\"_ _0\"></span>ost<span class=\"_ _2\"></span>, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96f y4c9e w634 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x970 y4c9e w635 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x971 y4c9e w636 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _d\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w637 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, gro<span class=\"_ _0\"></span>ss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x972 y4ca8 w638 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x973 y4ca8 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x974 y4ca8 w63a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>5<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x975 y4aa1 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>11,315)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x976 y4aa1 w63c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>,778)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x977 y4aa1 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w63d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x978 y4b3c w63e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x979 y4b3c w63f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97a y4b3c w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _0\"></span>057<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca9 w641 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97b y4ca9 w642 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,232<span class=\"_ _2\"></span>,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97c y4ca9 w643 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,861,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97d y4ca9 w644 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr></table>As at 31 December 2023, loans <span class=\"_ _0\"></span>to customers carried at GEL 9<span class=\"_ _0\"></span>54<span class=\"_ _2\"></span>,695 (2022: GEL 1,<span class=\"_ _0\"></span>092,<span class=\"_ _2\"></span>475, 2021: GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _d\"></span>125,<span class=\"_ _0\"></span>955) were pledged <span class=\"_ _0\"></span>for short-term loans fr<span class=\"_ _0\"></span>om the NBG.<span class=\"_ _3e0\"> </span>Expected credit los<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span>Movements of<span class=\"_ _0\"></span> the gross loans and r<span class=\"_ _0\"></span>espective allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans to customers b<span class=\"_ _0\"></span>y class ar<span class=\"_ _0\"></span>e provided in <span class=\"_ _0\"></span>the table below<span class=\"_ _0\"></span>, within which the ne<span class=\"_ _0\"></span>w financial asset originated or pur<span class=\"_ _0\"></span>chased and the assets repaid during <span class=\"_ _0\"></span>the year include the eff<span class=\"_ _0\"></span>ects fr<span class=\"_ _0\"></span>om revolving loans and incr<span class=\"_ _0\"></span>ease of exposur<span class=\"_ _0\"></span>e to clients, wher<span class=\"_ _0\"></span>e existing loans have been r<span class=\"_ _0\"></span>epaid with new contr<span class=\"_ _0\"></span>acts issued during the year<span class=\"_ _5\"></span>. All new financial assets ar<span class=\"_ _0\"></span>e originated either in Stage 1 or POCI category<span class=\"_ _d\"></span>. Utilisation of additional tranches on e<span class=\"_ _0\"></span>xisting financial assets are r<span class=\"_ _0\"></span>eflected in Stage 2 or Stage 3 if<span class=\"_ _0\"></span> the credit risk of <span class=\"_ _0\"></span>the borrower has de<span class=\"_ _0\"></span>teriorated since initiation. Currency<span class=\"_ _0\"></span> translation dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es relate to loans issued b<span class=\"_ _0\"></span>y the subsidiaries of<span class=\"_ _0\"></span> the Group whose f<span class=\"_ _0\"></span>unctional currency is diff<span class=\"_ _0\"></span>erent f<span class=\"_ _0\"></span>rom the pr<span class=\"_ _0\"></span>esentation currency<span class=\"_ _0\"></span> of the Group<span class=\"_ _0\"></span>, while for<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement relates <span class=\"_ _0\"></span>to for<span class=\"_ _0\"></span>eign currency denominated loans issued by<span class=\"_ _0\"></span> the Group. Ne<span class=\"_ _0\"></span>t other changes in gross loan balance<span class=\"_ _0\"></span>s includes the eff<span class=\"_ _0\"></span>ects of changes in accrued interes<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Net other measurement o<span class=\"_ _0\"></span>f ECL includes the ef<span class=\"_ _0\"></span>fect of changes in ECL<span class=\"_ _0\"></span> due to post-model adjustments, changes in PDs and other<span class=\"_ _0\"></span> inputs, as well as the eff<span class=\"_ _0\"></span>ect fr<span class=\"_ _0\"></span>om ECL attributable <span class=\"_ _0\"></span>to changes in accrued intere<span class=\"_ _0\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span><table class=\"s w645 h123\" id=\"_2e907da6-1f8d-4468-abd1-12376c704318\"><tr><td class=\"c n x1ca y4caa w646 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4cab w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4cab w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4cab w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4cab w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4cab wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cac w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4cac w652 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,382<span class=\"_ _2\"></span>,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x989 y4cac w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98a y4cac w31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98b y4cac w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,820<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98c y4cac w53c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>460,419<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w656 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98e y4cad w657 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,262)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cae w659 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408,616<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x990 y4cae w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">413,869<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x991 y4cae w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4caf w65c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,314)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x995 y4caf w65d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,720<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x996 y4caf w65e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x999 y4cb0 w660 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165,<span class=\"_ _0\"></span>947)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99a y4cb0 w661 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99b y4cb0 w662 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99d y4cb0 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(166,529)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99e y4cb1 w664 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,279<span class=\"_ _d\"></span>,698)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99f y4cb1 w665 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(318,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a0 y4cb1 w666 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(96,<span class=\"_ _0\"></span>967)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a1 y4cb1 w667 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a2 y4cb1 w668 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,7<span class=\"_ _0\"></span>05,733<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb2 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4cb2 w66a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4cb2 w66b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a5 y4cb2 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a7 y4cb2 w66c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a8 y4cb3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(755)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a9 y4cb3 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9aa y4cb3 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78e y4cb3 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ab y4cb3 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x890 y4cb4 w56a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ac y4cb4 w672 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,490<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4cb4 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(375)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ae y4cb4 w674 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9af y4cb4 w675 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb5 w676 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b0 y4cb5 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b1 y4cb5 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b2 y4cb5 w678 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4cb5 we5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b4 y4cb5 w679 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,033<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b8 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ba y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bb y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bc y4cb6 w67f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb7 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9be y4cb7 w681 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bf y4cb7 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c0 y4cb7 w683 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72c y4a9f w21f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c1 y4a9f w685 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(3,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c2 y4a9f w1af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,756)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c3 y4a9f w686 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4ca8 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4ca8 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4ca8 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4ca8 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4ca8 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ac8 w90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _2\"></span>,801<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ca y4ac8 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">21,497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cb y4ac8 w68e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">114,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4b3c w690 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cd y4b3c w691 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">515,<span class=\"_ _0\"></span>789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ce y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cf y4b3c w692 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls1 ws5e\">2<span class=\"_ _39\"></span>,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d0 y4b3c w693 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>903,319<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w694 h124\" id=\"_2a088a08-0751-465a-929e-93e47d500497\"><tr><td class=\"c n x1ca y4cb8 w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cb8 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cb8 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cb8 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cb8 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cb8 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4cb9 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4cb9 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4cb9 w564 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">4<span class=\"_ _2\"></span>4,<span class=\"_ _2\"></span>247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d8 y4cb9 w427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4cb9 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9da y4cba w699 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>952<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9db y4cba w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cba w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4cba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9de y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbb w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9df y4cbb w69b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e0 y4cbb w69c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,811)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x785 y4cbc w69d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,004)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e3 y4cbc w69e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e4 y4cbc w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,389)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e7 y4cbd w69f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e8 y4cbd w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,406)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e9 y4cbd w6a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cbe ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ec y4cae w6a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ed y4cae w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ee y4cae w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ef y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f0 y4cae w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f1 y4caf w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f2 y4caf w6a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f3 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f5 y4caf w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(538)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,364)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f7 y4cb0 w6aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f8 y4cb0 w6ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>09)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f9 y4cb0 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fa y4cb0 w2d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,428)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fb y4cb1 w6ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fc y4cb1 w6ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fd y4cb1 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fe y4cb1 w6b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ff y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa00 y4cbf w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa01 y4cbf w6b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(14<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbf w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa03 y4cbf w435 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa04 y4cb3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa05 y4cb3 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x911 y4cb3 w6b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa06 y4cb3 w6b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa07 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(425)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa08 y4cb4 w6b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,005<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb4 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0a y4cb4 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,249<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0b y4cb4 w6bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0c y4cb4 w6bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,76<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,823)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0d y4a9b w6be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,5<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0e y4a9b w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0f y4a9b w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa10 y4a9b w6c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa12 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa14 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa17 y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa18 y4cb6 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1a y4a9e w165 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1b y4a9e w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1c y4a9e w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1d y4a9f w6c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1e y4a9f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1f y4a9f w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,296)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa21 y4a9f w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,486)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4ca8 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4ca8 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4ca8 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4ca8 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4ca8 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa28 y4ac8 w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39,56<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa29 y4ac8 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2a y4ac8 w6cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls7d ws37\">48,497<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4b3c w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2c y4b3c w6cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2e y4b3c w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4b3c w6cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">51,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4aa3 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4aa3 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4aa3 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4aa3 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w6d0 h125\" id=\"_4ec8e50c-f0b8-49ee-a3a6-3eaf5a5d28f4\"><tr><td class=\"c n x1ca y4cc0 w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cc0 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cc0 w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cc0 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cc0 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cc0 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc1 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4cc1 w6d4 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4cc1 w6d5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa37 y4cc1 w6d6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa38 y4cc1 w6d7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x928 y4cc1 w6d8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa39 y4cc2 w6d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,527<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3a y4cc2 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3c y4cc2 w2c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3d y4cc2 w6da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,541,<span class=\"_ _d\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3e y4cc3 w6db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc3 w6dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268,798)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa41 y4cb0 w6dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa42 y4cb0 w6de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _2\"></span>,400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa43 y4cb0 w6df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa45 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc4 w6e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4cc4 w6e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,67<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x733 y4cc4 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cbf w2df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,081,098)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4b y4cbf w6e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4c y4cbf w6e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4d y4cbf w148 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4e y4cbf w6e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>175,415)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4cb3 w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa50 y4cb3 w6e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa51 y4cb3 w6e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(83)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa52 y4cb3 w6e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(185)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa53 y4cb3 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">399<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa54 y4a9a w6eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa55 y4a9a w6ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(150)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa56 y4a9a w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa57 y4a9a w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa58 y4a9a w6ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>962<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa59 y4a9b w6ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,727)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5a y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5b y4a9b w6f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5c y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4a9b w6f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,852)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4a9f w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa68 y4a9f w6fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa69 y4a9f w6fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6b y4a9f w41 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,205)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa0 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa0 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa0 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa0 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa0 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa71 y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa72 y4ac8 w5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa73 y4ac8 w701 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa74 y4aa2 w702 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa2 w703 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\"><span class=\"ffb\">1</span>74,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa75 y4aa2 w453 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>0,7<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa76 y4aa2 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">30,09<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa77 y4aa2 w34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,555,265<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w705 h126\" id=\"_7f2c53b1-db11-4e34-aa2b-e27e4acc1ed1\"><tr><td class=\"c n x1ca y4cc5 w706 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cc5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cc5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cc5 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cc5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cc5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4cc6 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4cc6 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa81 y4cc6 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa82 y4cbc w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa85 y4cbc w70a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4cc7 w70b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76a y4cc7 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26b y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8a y4cc8 w5ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">9,9<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8b y4cc8 w70d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>196)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x910 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8c y4cc9 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,612)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8d y4cc9 w70e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>152)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8e y4cc9 w70f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">4<span class=\"_ _39\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cca ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa90 y4cb0 w710 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa91 y4cb0 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa92 y4cb0 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,016<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa93 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa94 y4cb0 w711 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa95 y4cc4 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,516)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa96 y4cc4 w713 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(747)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa97 y4cc4 w714 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa98 y4cc4 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa99 y4cc4 w666 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,359)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9b y4cbf w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">1<span class=\"_ _2\"></span>,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9c y4cbf w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9d y4cbf w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9e y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9f y4cb3 w719 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa0 y4cb3 w71a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa1 y4cb3 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa2 y4cb3 w71b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa3 y4a9a w71c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,690<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa4 y4a9a w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4a9a w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,842<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa6 y4a9a w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9a w71f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa8 y4a9b w720 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa9 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x738 y4a9b w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaa y4a9b w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaab y4a9b w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,729<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaad y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaae y4a9f w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaf y4a9f w728 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa0 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa0 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa0 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa0 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa0 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab5 y4ac8 w72e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab6 y4ac8 w72f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab7 y4ac8 w730 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">321<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4aa2 w731 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab8 y4aa2 w732 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab9 y4aa2 w733 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaba y4aa2 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,604<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabb y4aa2 w735 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>429<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa3 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa3 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa3 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa3 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w736 h127\" id=\"_b6a23412-108b-4283-bae5-2ceae5f02a46\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4ccc w739 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4ccc w73a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac2 y4ccc w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac3 y4ccc w547 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac4 y4ccc w73c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac5 y4ccd w73d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,729<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac6 y4ccd w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4ccd w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,502<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac9 y4ccd w73e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,732,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaca y4cc2 w73f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x780 y4cc2 w740 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,013)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4cc3 w741 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>308,580)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacf y4cc3 w291 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad0 y4cc3 w742 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,465)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w743 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4cce w744 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(115,231)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad4 y4cce w745 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,086<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad5 y4cc4 w746 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,273,519<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad6 y4cc4 w747 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(81,401)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4cc4 w748 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,<span class=\"_ _d\"></span>161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad7 y4cc4 w749 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,572)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad8 y4cc4 w74a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,421,653)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf w24c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(75,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xada y4cbf w74b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4cbf w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadb y4cbf w74d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(78,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w74e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xade y4ccf w74f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadf y4ccf w750 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae0 y4ccf w552 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(2,448)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4a9a w751 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _5\"></span>,031<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae2 y4a9a w752 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae3 y4a9a w13d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9a w2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae5 y4a9a w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,210<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b w754 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae7 y4a9b w755 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae8 y4a9b w756 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae9 y4a9b w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaea y4a9b w757 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,531<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4c0c w758 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4c0c w1be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4c0c w759 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf3 y4c95 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf4 y4c95 w4a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>998)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4c95 w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf6 y4c95 w75e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>152)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa0 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa0 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa0 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa0 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60b y4c91 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafc y4c91 w764 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4aa2 w765 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>709<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafd y4aa2 w766 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _2\"></span>1,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4aa2 w80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _0\"></span>,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafe y4aa2 w767 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa2 w768 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,043,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w694 h128\" id=\"_aff069b7-8faa-429b-9d0a-d97fc5da5662\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4cd1 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb01 y4cd1 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb02 y4cd1 w76b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb03 y4cd1 w76c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb04 y4cd1 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cd2 w76d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb06 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb07 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb08 y4cd2 w76f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbc w770 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,627<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0a y4cbc w771 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0d y4cc7 w772 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,665)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0e y4cc7 w773 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,372<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4cc7 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb10 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w4a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,90<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb12 y4cc8 w63f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,647)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb13 y4cc8 w775 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,54<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb15 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(754)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb17 y4cc3 w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,692)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb18 y4cc3 w32f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,5<span class=\"_ _0\"></span>91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb19 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1a y4cc3 w777 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,<span class=\"_ _0\"></span>145<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1b y4cb0 w34e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4cb0 w778 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1d y4cb0 w583 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,7<span class=\"_ _0\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1e y4cb0 w779 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1f y4cb0 w77a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,787)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb21 y4cc4 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb22 y4cc4 w3ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(868)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4cc4 w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(735)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb25 y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb26 y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb27 y4cbf w77e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,24<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb28 y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb29 y4cbf w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,227)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2a y4cb3 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2b y4cb3 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2c y4cb3 w77f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3fa y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2d y4cb3 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,456<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w781 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,661)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2f y4a9a w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb30 y4a9a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb31 y4a9a w3cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">596<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb32 y4a9a w20a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w784 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,<span class=\"_ _0\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb33 y4a9b w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb34 y4a9b w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb35 y4a9b wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4a9b w786 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,818<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4a9c w758 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4a9c w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4a9c w759 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(139<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb38 y4a9f w788 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb39 y4a9f w789 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,204)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3a y4a9f w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,515)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa0 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa0 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa0 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa0 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa0 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb40 y4ac8 w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac8 w384 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb42 y4aa2 w500 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb43 y4aa2 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb44 y4aa2 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4aa2 w78f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb46 y4aa2 w790 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">5<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa3 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa3 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa3 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa3 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa3 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w791 h127\" id=\"_5fa29628-6b4e-4d24-af6d-75481b6fdb92\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4ccc w793 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4ccc w794 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4ccc w795 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4ccc w796 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4ccc w797 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4ccd w1dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,547<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb52 y4ccd w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb53 y4ccd w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb54 y4ccd w562 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>964<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb55 y4ccd w798 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,572,535<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb56 y4cc2 w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,459<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb57 y4cc2 w79a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(289,423)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb58 y4cc2 w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5a y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 w79c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>473,300<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5c y4cc3 w79d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">524<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5d y4cc3 w79e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5f y4cce w79f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _0\"></span>199)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb60 y4cce w7a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110,688<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb61 y4cce w7a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb63 y4cc4 w7a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>179,<span class=\"_ _d\"></span>954)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb64 y4cc4 w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(107<span class=\"_ _5\"></span>,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb65 y4cc4 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(69,<span class=\"_ _0\"></span>753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x959 y4cc4 w7a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb66 y4cc4 w7a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,369<span class=\"_ _d\"></span>,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb67 y4cbf w7a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb68 y4cbf w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb69 y4cbf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6b y4cbf w6a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6d y4ccf w7aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4ccf w27c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6f y4ccf w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb70 y4ccf w7ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,092)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb71 y4a9a w7ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb72 y4a9a w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9a w7ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb74 y4a9a w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">89<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb75 y4a9a w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">5,787<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb76 y4a9b w7b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(508)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb77 y4a9b w7b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,333)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb78 y4a9b w7b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb79 y4a9b w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4a9b w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4c0c w7b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4c0c w7b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4c0c w7b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb83 y4c95 w7bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">(<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb84 y4c95 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4c95 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb87 y4c95 w7bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,77<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa0 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa0 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa0 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa0 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa0 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8d y4c91 w7c1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8e y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8f y4c91 w7c2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 lsa3 ws89\">2,464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4c91 w7c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,463<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4aa2 w7c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,325,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb93 y4aa2 w7c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _2\"></span>4,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb94 y4aa2 w7c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4aa2 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb96 y4aa2 w109 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,697<span class=\"_ _d\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w791 h128\" id=\"_8dd5a2b0-71c8-4d1a-8c8c-0f62c595511d\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4cd1 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4cd1 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9e y4cd1 w7ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">6<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9f y4cd1 w7cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4cd1 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cd2 w7cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba2 y4cd2 w7ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba3 y4cd2 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba4 y4cd2 w7d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba5 y4cbc w7d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba6 y4cbc w7d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,094)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba7 y4cbc w7d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 w226 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,869)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba9 y4cc7 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaa y4cc7 w7d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,336)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>49<span class=\"_ _d\"></span>,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4cc8 w7d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbae y4cc8 w5ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaf y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w7d7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb1 y4cc3 w7d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,<span class=\"_ _0\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb2 y4cc3 w7d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb3 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(457)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb4 y4cb0 w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb5 y4cb0 w7db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb6 y4cb0 w7dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb7 y4cb0 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,886)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb8 y4cb0 w7dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cc4 w7de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbba y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbb y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbd y4cc4 w7df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbe y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,235)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc0 y4cbf w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc1 y4cbf w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4cb3 w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc3 y4cb3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc4 y4cb3 w7e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc5 y4cb3 w7e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc6 y4cb3 w7e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w7e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>175)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc7 y4a9a w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc8 y4a9a w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4a9a w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4a9a w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbca y4a9b w95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcb y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,210)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcc y4a9b w7e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcd y4a9b w7a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4a9b w60c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4a9c w7b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4a9c w7b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4a9c w7b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(269)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd0 y4a9f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x48e y4a9f w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd1 y4a9f w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa0 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa0 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa0 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa0 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa0 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd6 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd8 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd9 y4aa2 w46a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbda y4aa2 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,044<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdb y4aa2 w4aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">62,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdc y4aa2 w7f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdd y4aa2 w7f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">130,571<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa3 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa3 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa3 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa3 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w7f3 h129\" id=\"_b9c3ca8e-f69a-464e-9f54-369221287cd6\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4cd5 w7f5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4cd5 w7f6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe5 y4cd5 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cd5 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe6 y4cd5 w7f8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe7 y4cce w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe9 y4cce w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">401<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbeb y4cce w7fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>95<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cc4 w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbed y4cc4 w7fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,660)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c7 y4cbf w7fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbef y4cbf w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf0 y4cbf w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,493)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4ccf w800 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79d y4ccf w801 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,800)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf1 y4ccf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4a9a w802 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,379<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf5 y4a9a w803 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,67<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf6 y4a9a w804 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>124)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf7 y4a9a w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,<span class=\"_ _d\"></span>179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf8 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4a9b w806 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9b w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4c0c w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfb y4c0c w3be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfc y4c0c w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfe y4c0c w808 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbff y4a9d w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4a9d w809 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc00 y4a9d w80a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4a9d w5d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4c96 w80e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4c96 w80f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4c97 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4c97 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4c97 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4c97 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4c97 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0d y4aa2 w812 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0e y4aa2 w813 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0f y4aa2 w814 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4aa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc11 y4aa2 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w815 h12a\" id=\"_9212ce4a-2725-4b55-a5f7-2583d1538a38\"><tr><td class=\"c n x1ca y4cd6 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4cd6 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4cd6 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4cd6 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4cd6 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4cd6 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd7 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4cd7 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4cd7 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4cd7 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cd7 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc19 y4cd7 w819 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd8 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cd8 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1b y4cd8 w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cd9 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc20 y4cd9 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc21 y4cd9 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cda w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cda w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc25 y4cda w81a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc26 y4cda w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cdb ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb4 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc27 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc28 y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc29 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2a y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2b y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2c y4a9b w81b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2d y4a9b w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2e y4a9b w81d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2f y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc30 y4a9b w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc31 y4a9c w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc32 y4a9c w1a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc33 y4a9c w81e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc35 y4a9c w81f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc36 y4cb6 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc37 y4cb6 w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc38 y4cb6 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc39 y4cb6 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4b3a w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4b3a w80f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4b3b w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4b3b w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4b3b w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4b3b w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4b3b w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3e y4b3c w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3f y4b3c w824 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls5 wse\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc40 y4b3c w825 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4b3c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc41 y4b3c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4aa3 w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4aa3 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4aa3 w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4aa3 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w827 h123\" id=\"_416532df-9b95-47db-bccf-d2fb560cacbb\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4cab w829 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc43 y4cab w82a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc44 y4cab w82b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc45 y4cab w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc46 y4cab w82c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4cdc w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">4,<span class=\"_ _2\"></span>574,<span class=\"_ _0\"></span>787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc47 y4cdc w82e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc48 y4cdc w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc49 y4cdc w82f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,9<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4a y4cdc w830 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,617<span class=\"_ _d\"></span>,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4b y4cad w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202,<span class=\"_ _2\"></span>422<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4c y4cad w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(202,<span class=\"_ _2\"></span>422)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w833 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(773,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4cae w834 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">803,<span class=\"_ _0\"></span>734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc50 y4cae w835 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cc3 w836 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc53 y4cc3 w837 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(98,586<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc54 y4cc3 w838 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc55 y4cb0 w839 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc56 y4cb0 w83a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc57 y4cb0 w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(8<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b8 y4cb0 w83b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,824)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cb1 w83c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,092,938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc58 y4cb1 w83d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(217<span class=\"_ _d\"></span>,06<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb1 w83e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(83,<span class=\"_ _d\"></span>154)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4cb1 w83f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>9,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5b y4cb1 w840 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,402,<span class=\"_ _0\"></span>919)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w841 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5d y4cbf w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,622<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w63f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,567)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5f y4cbf w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc60 y4cb3 w843 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,330<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc61 y4cb3 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc62 y4cb3 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc63 y4cb3 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc64 y4cb3 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,499<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc65 y4cb4 w845 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(512<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc66 y4cb4 w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(89,<span class=\"_ _0\"></span>055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc67 y4cb4 w847 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc68 y4cb4 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,843)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc69 y4cb4 w848 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(627<span class=\"_ _5\"></span>,288)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6a y4a9b w849 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,<span class=\"_ _d\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6b y4a9b w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4a9b w84a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6d y4a9b w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(653)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6e y4a9b w84b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,001<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w84f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,<span class=\"_ _0\"></span>751)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc77 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc78 y4a9f w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4a9f w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,690)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa0 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa0 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7a y4aa0 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7b y4aa0 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7c y4aa0 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7d y4b45 w559 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _0\"></span>,486<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4b45 w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,603<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94a y4b45 w853 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,089<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4b46 w854 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc80 y4b46 w7f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc81 y4b46 w855 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b46 w856 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc83 y4b46 w857 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>142,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc84 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc85 y4aa3 w858 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc86 y4aa3 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc87 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w859 h12b\" id=\"_fe6514ef-ec98-4d68-96c1-614c9d323213\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4cb9 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4cb9 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8a y4cb9 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8b y4cb9 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8c y4cb9 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cba w387 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8d y4cba w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8e y4cba w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4cba w85e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc90 y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,630<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cd2 w85f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc91 y4cd2 w860 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc93 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc94 y4cbc w152 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc95 y4cbc w861 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc96 y4cbc w862 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc97 y4cbd w863 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc98 y4cbd w864 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc99 y4cbd w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9a y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cae w866 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9c y4cae w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9d y4cae w868 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9e y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9f y4cae w869 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca0 y4cc3 w86a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca2 y4cc3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca3 y4cc3 w86c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca4 y4cb0 w86d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca5 y4cb0 w86e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca6 y4cb0 w86f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _d\"></span>,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca7 y4cb0 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4cb0 w870 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(77<span class=\"_ _d\"></span>,840)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca9 y4cb1 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,404<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaa y4cb1 w871 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcab y4cb1 w872 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(99<span class=\"_ _2\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcad y4cb1 w3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,380<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcae y4cbf w873 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaf y4cbf w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cbf w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb0 y4cbf w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb1 y4cbf w875 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 w876 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb3 y4cb3 w877 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,696<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb3 w878 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,613)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb4 y4cb3 w879 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(883)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb5 y4cb3 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,<span class=\"_ _0\"></span>113)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cb4 w87a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,810<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb6 y4cb4 w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb7 y4cb4 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,29<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb8 y4cb4 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5<span class=\"_ _2\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb9 y4cb4 w87d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _d\"></span>188)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcba y4a9b w87e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4a9b w87f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,716<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbb y4a9b w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _2\"></span>491)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbc y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,582)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbd y4a9b w881 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,687)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbe y4a9f w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>079)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbf y4a9f w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>941)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4a9f w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa0 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa0 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa0 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa0 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4aa0 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4b45 w884 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc6 y4b45 w5bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc7 y4b46 w885 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4b46 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc8 y4b46 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc9 y4b46 w1e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4b46 w886 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,572<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa3 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa3 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa3 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccb y4aa3 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w887 h127\" id=\"_ae4d5402-a8bc-4e7e-961e-5127055d7237\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4ccc w888 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4ccc w889 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4ccc w88a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4ccc w88b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4ccc w88c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd1 y4ccd w88d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,46<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd2 y4ccd w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ccd wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd3 y4ccd w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd4 y4ccd w88e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,480,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd5 y4cc2 w88f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">403,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd6 y4cc2 w890 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(403,398)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd7 y4cc2 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd8 y4cc3 w891 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(375,<span class=\"_ _d\"></span>932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd9 y4cc3 w892 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>43,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcda y4cc3 w893 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cce w894 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>171)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdc y4cce w895 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(49<span class=\"_ _d\"></span>,817)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdd y4cce w708 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,<span class=\"_ _0\"></span>988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4cc4 w896 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(901,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdf y4cc4 w897 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>945)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce0 y4cc4 w898 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(49<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4cc4 w899 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,849<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x902 y4cc4 w89a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,019<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce2 y4cbf w187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce6 y4cbf w89b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce8 y4ccf w1e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce9 y4ccf w89c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcea y4ccf w6b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(16<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xceb y4ccf w89d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w89e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(254,899)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xced y4a9a w89f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4a9a w8a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,022)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcef y4a9a w244 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,527)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf0 y4a9a w8a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(288,001)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf1 y4a9b w8a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf2 y4a9b w8a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,211)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf3 y4a9b w8a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf4 y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf5 y4a9b w41f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,220<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4c0c w8a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4c0c w508 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4c0c w8a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4a9d w8a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4a9d w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4c95 w8aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfe y4c95 w8ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcff y4c95 w8ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd00 y4c95 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa0 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa0 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa0 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa0 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd04 y4ade w427 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd05 y4ade w8af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>925,<span class=\"_ _0\"></span>906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd06 y4adf w8b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4adf w8b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,717<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd07 y4adf w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd08 y4adf w8b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>190,264<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa3 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa3 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa3 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w8b4 h12c\" id=\"_ba45e64b-2b2c-4a61-9355-86fe4b62864f\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4cc6 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4cc6 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4cc6 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0b y4cc6 w8b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">2,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0c y4cc6 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cbc w8ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,452<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4cbc w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x925 y4cbc w8bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,855<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbd w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,673<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73c y4cbd w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,608)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0f y4cbd w8bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w8be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,236<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd10 y4cc8 w8bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd11 y4cc8 w8c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,7<span class=\"_ _0\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd13 y4cc9 w8c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd14 y4cc9 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,484)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd15 y4cc9 w8c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w8c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,807)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd16 y4cb0 w8c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(10,903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd17 y4cb0 w8c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd18 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd19 y4cb0 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>943)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1a y4cb1 w8c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,731)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1b y4cb1 w8c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(961)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4cb1 w8c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,220<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1d y4cb1 w8c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>1<span class=\"_ _2\"></span>03)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1e y4cb1 w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,015)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd20 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd21 y4cbf w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd22 y4cbf w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd23 y4cbf w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,006<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd25 y4cb3 w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd26 y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd27 y4cb3 w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,516)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cb4 w8cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4cb4 w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd29 y4cb4 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,39<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2a y4cb4 w8cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2b y4cb4 w8ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,222<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2c y4a9b w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(839<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2d y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,20<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2e y4a9b w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,628)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2f y4a9b w8d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4a9b w8d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,39<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4a9c w8a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4a9c w508 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4a9c w8a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4cb6 w8a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4cb6 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4cb6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd31 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x942 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd32 y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4ca8 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4ca8 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4ca8 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd33 y4ca8 w8d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd34 y4ca8 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd35 y4b45 w8d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd36 y4b45 w8d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">576<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd37 y4b46 w8d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4b46 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd38 y4b46 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd39 y4b46 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x23d y4b46 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,4<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4aa3 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4aa3 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3a y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3b y4aa3 w8d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w8d8 h127\" id=\"_89254d3c-4f01-4be2-8cb3-c6052b312561\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4ccc w8d9 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3d y4ccc w8da hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3e y4ccc w8db hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3f y4ccc w298 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd40 y4ccc w8dc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd w8dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>953,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd42 y4ccd w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,854<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd43 y4ccd w8df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd44 y4ccd w8e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>966,088<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd45 y4cc2 w8e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">337<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd46 y4cc2 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(337<span class=\"_ _0\"></span>,049)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4a y4cc3 w8e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(442,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4b y4cc3 w8e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4c y4cc3 w8e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>,857)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w8e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4e y4cce w8e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,47<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4f y4cce w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">157<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd51 y4cc4 w8e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>142,<span class=\"_ _0\"></span>937)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd52 y4cc4 w8e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(125,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd53 y4cc4 w8ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71,<span class=\"_ _0\"></span>105)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd54 y4cc4 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>917)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd55 y4cc4 w8ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,345,789<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd56 y4cbf w246 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,<span class=\"_ _0\"></span>709<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd57 y4cbf w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,680<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd58 y4cbf w8ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd59 y4cbf w8ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,355)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5a y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5b y4ccf w185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5c y4ccf w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5d y4ccf w8f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,330)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w8f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(275,010)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5e y4a9a w8f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4a9a w8f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,669)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x893 y4a9a w8f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(350)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd60 y4a9a w8f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>947)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w8f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd62 y4a9b w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4a9b w8c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd63 y4a9b w1e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ce y4a9b w8f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4c0c w8f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4c0c w8f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4c0c w578 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6b y4c95 w8fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6c y4c95 w1c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4c95 w8fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61c y4c95 w8ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,795)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4aa0 w73a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa0 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6e y4aa0 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6f y4aa0 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ade w7e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd70 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w901 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd71 y4adf w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd72 y4adf w903 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd73 y4adf w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd74 y4adf w4d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>86,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd76 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd77 y4aa3 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h128\" id=\"_f4748e5e-a738-40ac-8fb6-2b13282dc824\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4cd1 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd79 y4cd1 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7a y4cd1 w33b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7b y4cd1 w908 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7c y4cd1 w4dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7d y4cd2 w909 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7e y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 w90a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">97<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd80 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd81 y4cd2 w90b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,300<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd82 y4cbc w90c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd83 y4cbc w90d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cc7 w90e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,873)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd86 y4cc7 w90f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd87 y4cc7 w910 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w6f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,295)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd89 y4cc8 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8a y4cc8 w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w913 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8d y4cc3 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(9,<span class=\"_ _d\"></span>903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8e y4cc3 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8f y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd90 y4cc3 w915 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,212<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,663)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd91 y4cb0 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd92 y4cb0 wcd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4cb0 w917 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd93 y4cb0 w918 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,738)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w919 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd94 y4cc4 w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd95 y4cc4 w91b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd96 y4cc4 w91c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,523<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd97 y4cbf w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd98 y4cbf w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd99 y4cbf w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9b y4cbf w91e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>145)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9c y4cb3 w290 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9d y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4cb3 w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9f y4cb3 w91f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda0 y4cb3 w920 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a w921 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4a9a w922 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda3 y4a9a w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda4 y4a9a w923 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda5 y4a9a w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda6 y4a9b w925 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda7 y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,012)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda8 y4a9b w926 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda9 y4a9b w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">49<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaa y4a9b w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w8f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4a9c w8f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4a9c w578 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4a9f w927 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(9<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdab y4a9f w424 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4a9f w928 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,003)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa0 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa0 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdad y4aa0 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdae y4aa0 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaf y4aa0 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb0 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb1 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89f y4adf w92b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>0,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb2 y4adf w92c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb3 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>765<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb4 y4adf w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb5 y4adf w92e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">52,950<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa3 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa3 w92f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4aa3 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4aa3 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb6 y4aa3 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w827 h127\" id=\"_a53383e8-2713-468f-95e7-ee105a77607b\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4ccc w930 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4ccc w931 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4ccc w618 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdba y4ccc w932 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbb y4ccc w933 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd w4e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,313,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbc y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbd y4ccd w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4ccd w481 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbe y4ccd w935 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,337<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>421<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 w936 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc0 y4cc2 w937 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(344,445)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc1 y4cc2 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cc3 w366 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(534<span class=\"_ _2\"></span>,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc3 y4cc3 w939 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">608,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc4 y4cc3 w93a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc5 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc6 y4cce w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,557)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc7 y4cce w93c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(167<span class=\"_ _5\"></span>,897)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc8 y4cce w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc9 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 w93d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>992)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcb y4cc4 w93e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcc y4cc4 w93f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64<span class=\"_ _2\"></span>,593)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcd y4cc4 w940 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,241)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdce y4cc4 w941 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,537<span class=\"_ _d\"></span>,062)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcf y4cbf w468 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd0 y4cbf w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cd y4cbf w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4cbf w944 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd2 y4ccf w945 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd3 y4ccf w946 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4ccf w947 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd5 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd6 y4ccf w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,683)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd7 y4a9a w949 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(86,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd8 y4a9a w94a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _0\"></span>100<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd9 y4a9a w6d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdda y4a9a w94b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(61<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddb y4a9a w2d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,859)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddc y4a9b w94c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _2\"></span>406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddd y4a9b w9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdde y4a9b w94d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddf y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde0 y4a9b w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,019<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4c0c w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4c0c w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4c0c w94f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdea y4c95 w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,540)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdeb y4c95 w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdec y4c95 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(163)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xded y4c95 w918 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,7<span class=\"_ _0\"></span>83)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa0 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdee y4aa0 w955 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdef y4aa0 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf0 y4aa0 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>2<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf1 y4aa0 w957 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf2 y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76d y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4adf w959 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf3 y4adf w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4adf w7c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c y4adf w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,996<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf5 y4adf w1d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,599<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4aa3 w795 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4aa3 w796 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w95c h128\" id=\"_d9846a58-07a7-4cae-9a9e-0559c5e52d28\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4cd1 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4cd1 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4cd1 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4cd1 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf9 y4cd1 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cd2 w962 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfb y4cd2 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfc y4cd2 w964 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfd y4cd2 w8df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfe y4cd2 w965 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdff y4cbc w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b6 y4cbc w966 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe00 y4cbc w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe01 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe02 y4cc7 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,429)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe03 y4cc7 w967 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe04 y4cc7 w93f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,6<span class=\"_ _2\"></span>46)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w968 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>1,4<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4cc8 w969 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4cc8 w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,290<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe07 y4cc3 w96b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe08 y4cc3 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe09 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4cc3 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,489<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w96d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,829<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0b y4cb0 w96e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,884)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0c y4cb0 w96f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,047)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0d y4cb0 w970 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0e y4cb0 w971 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,523)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cc4 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe10 y4cc4 w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">156<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe11 y4cc4 w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe12 y4cc4 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe13 y4cbf w973 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe14 y4cbf w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4cbf w974 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe16 y4cbf w975 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe17 y4cbf w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,561)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4cb3 w976 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe19 y4cb3 w977 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(6<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1a y4cb3 w2cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1b y4cb3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1c y4cb3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>77)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w978 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1e y4a9a w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,34<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1f y4a9a w979 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4a9a w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9a wc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _0\"></span>720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe22 y4a9b w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,449)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe23 y4a9b w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(9<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe24 y4a9b w97b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe25 y4a9b w97c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe26 y4a9b w97d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4a9c w805 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4a9c w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4a9c w94f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f w97e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe28 y4a9f w97f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe29 y4a9f w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(201)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2b y4a9f w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(<span class=\"_ _2\"></span>248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa0 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2c y4aa0 w60c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2d y4aa0 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2e y4aa0 w983 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4aa0 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2f y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe30 y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe31 y4adf w984 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4adf w5f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe33 y4adf w985 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>902<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4adf w986 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe34 y4adf w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa3 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4aa3 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe35 y4aa3 w988 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe36 y4aa3 w989 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe37 y4aa3 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w98a h12d\" id=\"_98cd836a-1e9e-46d4-aa71-12892845329f\"><tr><td class=\"c n x1ca y4ce1 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4ce1 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4ce2 w98b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4ce2 w98c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3a y4ce2 w98d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ce2 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3c y4ce2 w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cc3 w98e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _2\"></span>,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3d y4cc3 w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3e y4cc3 w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4cc3 w98f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cb0 w990 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3f y4cb0 w991 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,4<span class=\"_ _2\"></span>60)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe41 y4cb1 w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,040<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe42 y4cb1 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,6<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe43 y4cb1 w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,602)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe44 y4cbf w993 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,251)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe45 y4cbf w994 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,75<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe46 y4cbf w995 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe47 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe48 y4cb3 w996 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb3 w997 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe49 y4cb3 w998 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,05<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cb3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4a y4cb3 w999 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4b y4cb4 w99a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4d y4cb4 w99b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4e y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4f y4cb4 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe50 y4a9b w99d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe51 y4a9b w7e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4a9b w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe53 y4a9b w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe54 y4a9c w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,461)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe55 y4a9c w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe56 y4a9c w9a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe57 y4a9c w9a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">748<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4a9f w69a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4a9f w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa0 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa0 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5e y4aa0 w7f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5f y4aa0 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe60 y4aa0 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\"><span class=\"ff2\">1</span>6<span class=\"_ _2\"></span>4,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe63 y4b46 w9a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe64 y4b46 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe65 y4b46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe67 y4b46 w9a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe68 y4aa3 w806 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d y4aa3 w9a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">164,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w9a8 h12e\" id=\"_77ea960e-6634-4680-927e-3093b9c01e6d\"><tr><td class=\"c n x1ca y4ce3 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce3 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce3 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce3 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce3 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce3 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce4 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4ce4 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4ce4 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4ce4 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4ce4 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4ce4 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cc4 w113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6d y4cc4 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cbf w9ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(1<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6e y4cbf w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6f y4cbf w5c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe70 y4ccf w9af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe71 y4ccf w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe72 y4ccf w942 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe74 y4a9a w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe75 y4a9a w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe76 y4a9a w9b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(3<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe77 y4a9a w9b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4a9b w9b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ad y4a9b w1bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(8<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9b w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe79 y4a9b w9b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4c0c w9b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7b y4c0c w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7c y4c0c w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7d y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7e y4c0c w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4c95 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4c95 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa0 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4aa0 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4aa0 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4aa0 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe80 y4aa0 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe81 y4adf w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe82 y4adf w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe83 y4adf w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe84 y4adf w9b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa3 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe85 y4aa3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe86 y4aa3 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe87 y4aa3 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h123\" id=\"_3460ea70-5895-4514-9d3d-813b15de55ed\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4cab w9bb hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,491,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe88 y4cab w9bc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">382,<span class=\"_ _0\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe89 y4cab w9bd hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">241,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8a y4cab w508 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8b y4cab w527 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>123,393<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4cdc w9be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,093<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8c y4cdc w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8d y4cdc w9bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4cdc w9c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8f y4cdc w16c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,405,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w9c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe90 y4cad w9c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(229,399<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe91 y4cad w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w9c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(373,532)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe93 y4cae w9c4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">394,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4cae w9c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,021)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc3 w9c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe94 y4cc3 w9c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52<span class=\"_ _2\"></span>,529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe95 y4cc3 w47f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cb0 w9c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe98 y4cb0 w9c9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,04<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe99 y4cb0 w9ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(12<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9a y4cb0 w9cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cb1 w9cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,479<span class=\"_ _d\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9c y4cb1 w9cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(159<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9d y4cb1 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,689)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9e y4cb1 w9cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9f y4cb1 w9d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,7<span class=\"_ _0\"></span>41,371)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w9d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea0 y4cbf w9d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea1 y4cbf w9d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>164<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea2 y4cbf w9d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">146,856<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea3 y4cb3 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea4 y4cb3 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4cb3 w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea5 y4cb3 w71b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea6 y4cb3 w9d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea7 y4cb4 w9d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(361,<span class=\"_ _0\"></span>065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea8 y4cb4 w9d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea9 y4cb4 w580 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,555)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaa y4cb4 w9d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeab y4cb4 w9d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(398,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x745 y4a9b w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeac y4a9b w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(806)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xead y4a9b w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9b w9db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeae y4a9b w5b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w9e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,742)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb6 y4a9f w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(358)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb7 y4a9f w9e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>66)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb8 y4a9f w9e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>966)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa0 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa0 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeba y4aa0 w9e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebb y4aa0 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebc y4aa0 w9e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebd y4b45 w9e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">203,431<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebe y4b45 w9e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4b45 w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>997<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec0 y4b46 w9eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec1 y4b46 w9ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec2 y4b46 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec3 y4b46 w9ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,44<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec4 y4b46 w5d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,3<span class=\"_ _2\"></span>41,<span class=\"_ _d\"></span>187<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec6 y4aa3 w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec7 y4aa3 w9f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w705 h12b\" id=\"_1c2c0fa8-2c38-4d89-92fd-04a5db645e7f\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec8 y4cb9 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec9 y4cb9 w1d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cb9 w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,572<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4cb9 w9f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4cb9 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">178,556<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cba w308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,591<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4cba w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xece y4cba w730 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ce y4cba w9f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecf y4cba w754 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,357<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cd2 w9f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed0 y4cd2 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed1 y4cd2 w9f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cbc w9f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>904)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed2 y4cbc w9f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed3 y4cbc w9fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4cbd w9fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,769)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed4 y4cbd w673 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(374)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed5 y4cbd w9fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed6 y4cae w9fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed7 y4cae w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed8 y4cae w9fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed9 y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeda y4cae w9ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">2<span class=\"_ _39\"></span>,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedb y4cc3 w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedc y4cc3 wa00 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedd y4cc3 wa01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4cc3 wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedf y4cb0 w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,412)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee0 y4cb0 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,694<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee1 y4cb0 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _0\"></span>,3<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee2 y4cb0 wa04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cb0 w743 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,552)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cb1 wa05 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee4 y4cb1 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee6 y4cb1 w255 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee7 y4cbf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee8 y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeea y4cbf wa06 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeeb y4cbf w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(942)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeec y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeed y4cb3 wa07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,25<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeee y4cb3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeef y4cb3 wa08 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,327)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4cb4 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,543)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef1 y4cb4 w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef2 y4cb4 wa09 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef3 y4cb4 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef4 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>,16<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef5 y4a9b wa0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,353)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef6 y4a9b wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef7 y4a9b wa0c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(46,<span class=\"_ _0\"></span>706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4a9b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef9 y4a9b wa0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f wa0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(132)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefa y4a9f wa0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4a9f wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefb y4a9f w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa0 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefc y4aa0 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefe y4aa0 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeff y4aa0 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4b45 w5a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">126,724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf00 y4b45 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,837<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf01 y4b45 wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _0\"></span>,561<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf02 y4b46 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf03 y4b46 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf04 y4b46 w7af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf05 y4b46 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf06 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,654<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa3 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4aa3 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf07 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4aa3 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf08 y4aa3 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w815 h127\" id=\"_a0901027-9ce5-4756-99d4-1903061a0cbd\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4ccc wa13 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,287<span class=\"_ _d\"></span>,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf09 y4ccc wa14 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">314,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0a y4ccc wa15 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">168,476<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0b y4ccc wa16 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">25,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0c y4ccc wa17 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,796,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd wa18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,549<span class=\"_ _0\"></span>,472<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0d y4ccd wa19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0e y4ccd w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4ccd wa1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0f y4ccd w1e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,563,<span class=\"_ _2\"></span>428<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 wa1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,840<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf10 y4cc2 wa1c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(407<span class=\"_ _5\"></span>,795)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf11 y4cc2 wa1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,045)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf12 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 wa1e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(34<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf13 y4cc3 wa1f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">588,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf14 y4cc3 wa20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(243,659<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf15 y4cce wa21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(158,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf16 y4cce wa22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _d\"></span>,954<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf17 y4cce w5dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf18 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf19 y4cc4 w1d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>975,730<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1a y4cc4 wa23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(94,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cc4 w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,5<span class=\"_ _2\"></span>44)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4cc4 wa24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,287)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4cc4 wa25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>152,692)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1c y4cbf w70b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1d y4cbf wa26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1e y4cbf wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4ccf wa28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1f y4ccf wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf21 y4ccf wa10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(283)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf22 y4ccf w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf23 y4a9a wa2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(155,<span class=\"_ _0\"></span>793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf24 y4a9a wa2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,366<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf25 y4a9a wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4a9a wa2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,6<span class=\"_ _2\"></span>48)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bb y4a9a wa2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(178,045)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b wa2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf27 y4a9b w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,472)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf28 y4a9b w12c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf29 y4a9b wa30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">300<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2a y4a9b w9fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4c0c wa31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4c0c w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4c0c w648 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9d w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9d wa32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9d w6bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9e w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9e w5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf32 y4c95 wa33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>910)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf33 y4c95 wa34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf34 y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4c95 w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf35 y4c95 w877 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>955)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa0 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa0 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa0 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa0 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4aa0 w88c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf36 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf37 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf38 y4adf wa36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,629<span class=\"_ _0\"></span>,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf39 y4adf wa37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">259<span class=\"_ _0\"></span>,97<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3a y4adf wa38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3b y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3c y4adf wa39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,021,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa3 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3d y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa3b h12c\" id=\"_01ad466d-aeff-4ae8-ac82-a0182ce7153c\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3e y4cc6 wa3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3f y4cc6 wa3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf40 y4cc6 wa3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf41 y4cc6 wa3f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf42 y4cc6 wa40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">48,609<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cbc wa41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>065<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf43 y4cbc w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4cbc w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf45 y4cbc wa42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf46 y4cbc wa43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>959<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf47 y4cbd w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf48 y4cbd wa44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf49 y4cbd wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,788)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4a y4cc8 wa46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,679<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4b y4cc8 wa4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,641<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4c y4cc8 w526 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4d y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4e y4cc9 wa47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4f y4cc9 wa48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,725)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf50 y4cc9 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,562)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf52 y4cb0 w63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf53 y4cb0 wa49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf55 y4cb0 wa4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,083)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf56 y4cb1 wa4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,621)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf57 y4cb1 w454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,674)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf58 y4cb1 wa4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf59 y4cb1 w82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5a y4cb1 wa4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>960)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5b y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5d y4cbf wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5e y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5f y4cb3 wa29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf60 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf61 y4cb3 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf62 y4cb4 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(470)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf63 y4cb4 wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf64 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,732)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf65 y4cb4 w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(409)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf66 y4cb4 w7b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4a9b w902 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,545)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf67 y4a9b w41f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>943<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x617 y4a9b wa50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf68 y4a9b w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf69 y4a9b w49e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,051<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6b y4a9c w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,607)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4a9c w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,684)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6c y4a9c wa52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6d y4a9c wa53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,719)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4cb6 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4cb6 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4cb6 w648 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9e wa32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9e w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9f w78f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9f w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9f w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4ca8 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4ca8 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6e y4ca8 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6f y4ca8 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf70 y4ca8 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf71 y4b45 w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf72 y4b45 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf73 y4b46 wa56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf74 y4b46 wa57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf75 y4b46 w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf76 y4b46 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4b46 w481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>031<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4aa3 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf77 y4aa3 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf78 y4aa3 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf79 y4aa3 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7a y4aa3 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa58 h127\" id=\"_d4da73fc-98d5-4872-b297-c44ba386f538\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7b y4ccc wa59 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,649<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7c y4ccc wa5a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">439,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7d y4ccc wa5b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6b ws9f\">1<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7e y4ccc wa5c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,471<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7f y4ccc wa5d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,269<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd wa5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,303,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf80 y4ccd w1ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf81 y4ccd wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf82 y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,599<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf83 y4ccd wa60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,330,293<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf84 y4cc2 wa61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">384,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf85 y4cc2 wa62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(377<span class=\"_ _d\"></span>,752)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf86 y4cc2 wa63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,659)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 w5c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(571,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf87 y4cc3 wa64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">678,669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf88 y4cc3 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,824)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8a y4cce w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(108,524)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8b y4cce wa65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,029<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8c y4cce wa66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>987<span class=\"_ _d\"></span>,068)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8d y4cc4 w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282,<span class=\"_ _0\"></span>948)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8e y4cc4 w7d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>106)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8f y4cc4 wa68 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">(<span class=\"_ _0\"></span>4,<span class=\"_ _0\"></span>718)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf90 y4cc4 wa69 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,370,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf wa6a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(247<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf91 y4cbf wa6b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf92 y4cbf wa6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,790<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf93 y4cbf wa6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf94 y4cbf wa6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(291,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">319<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf95 y4ccf w71f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf96 y4ccf w784 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,384<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf97 y4ccf w97f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4ccf w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,866)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf98 y4a9a wa6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180,781)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf99 y4a9a w88a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9a y4a9a w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>9,9<span class=\"_ _39\"></span>1<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9b y4a9a w788 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(271)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9c y4a9a wa70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w5eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9d y4a9b w6a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4a9b w11d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9e y4a9b wa71 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9f y4a9b wa72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4c0c wa73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4c0c w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4c0c wa74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4c95 wa78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,49<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa8 y4c95 wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa9 y4c95 w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(386)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaa y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfab y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa0 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa0 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa0 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4aa0 wa7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfae y4aa0 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaf y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb0 y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb1 y4adf wa7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _d\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb2 y4adf wa7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb3 y4adf w125 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb4 y4adf wa7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb5 y4adf wa80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>08,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb6 y4aa3 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,<span class=\"_ _2\"></span>499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb7 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4aa3 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa58 h128\" id=\"_2c896681-e843-4645-8781-b6cfe6e87d82\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb9 y4cd1 wa81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfba y4cd1 wa82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbb y4cd1 w1c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">55,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbc y4cd1 wa83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cd1 wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cd2 wa85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,47<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbd y4cd2 w1b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 wdc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbe y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4cd2 wa86 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,453<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc0 y4cbc w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc1 y4cbc wa87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,84<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4cbc w944 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc3 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc4 y4cc7 wa88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc5 y4cc7 wa89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc6 y4cc7 w5dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,625)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cc8 wa8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>914)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc7 y4cc8 wa8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>459)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4cc8 wa8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,373<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 wa8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,218)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc9 y4cc3 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfca y4cc3 w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcb y4cc3 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcc y4cb0 wa8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,879<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcd y4cb0 wa90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,632)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfce y4cb0 wa91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,573)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcf y4cb0 wa92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd0 y4cb0 wa93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,052)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4cc4 wa94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,280<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd2 y4cc4 wa95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(476)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd3 y4cc4 w280 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd4 y4cc4 wa96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>938)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd5 y4cbf wa97 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x903 y4cbf wa98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd6 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd7 y4cbf wa99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>184)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd8 y4cb3 wa9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,020<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd9 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(184)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfda y4cb3 w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,826)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdb y4cb3 w9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdc y4cb3 wa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>109)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a wa9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdd y4a9a wa9c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfde y4a9a w72a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdf y4a9a w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4a9a w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,299)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4a9b wa9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe1 y4a9b wa9e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe2 y4a9b wa9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe3 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(435)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe4 y4a9b w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>40)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4a9c wa73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4a9c w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4a9c wa74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(62<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe5 y4a9f waa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe6 y4a9f waa2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe8 y4a9f w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(36<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa0 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa0 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfea y4aa0 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfeb y4aa0 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfec y4aa0 waa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>44<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfed y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfee y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4adf waa6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfef y4adf w85c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4adf waa7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,9<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4adf w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff2 y4adf waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa3 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa3 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff3 y4aa3 waa9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff4 y4aa3 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4aa3 waaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>,4<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s waab h127\" id=\"_8ca889fc-cd2e-49c9-84f9-ae9f63dc2855\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff5 y4ccc waac hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>904<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff6 y4ccc waad hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">194,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff7 y4ccc waae hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">100,<span class=\"_ _d\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff8 y4ccc waaf hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff9 y4ccc wab0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,208,013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffa y4ccd wab1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,7<span class=\"_ _0\"></span>47<span class=\"_ _d\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffb y4ccd wab2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffc y4ccd wab3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffd y4ccd wab4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffe y4ccd wab5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,775,280<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c7 y4cc2 wab6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270<span class=\"_ _0\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfff y4cc2 wab7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>10)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4cc2 wab8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 wab9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(367<span class=\"_ _d\"></span>,600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1000 y4cc3 waba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">489,<span class=\"_ _0\"></span>718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4cc3 wabb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122,<span class=\"_ _d\"></span>118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1002 y4cce wabc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(134<span class=\"_ _2\"></span>,641)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1003 y4cce wabd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,558)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1004 y4cce wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 wabf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,849<span class=\"_ _0\"></span>,334)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc4 wac0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(100,322)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1005 y4cc4 wac1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,39<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4cc4 w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1007 y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,347)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1008 y4cbf wac2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1009 y4cbf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100a y4cbf wac4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100b y4cbf w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100c y4cbf wac5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,647<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100d y4ccf wec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100e y4ccf wac6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,482)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100f y4ccf wac7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1010 y4ccf w766 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1011 y4a9a w496 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1012 y4a9a wac8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,590<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1013 y4a9a wac9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(688)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1014 y4a9a waca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(223)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1015 y4a9a w51c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(54,293)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1016 y4a9b wacb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1017 y4a9b w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(215)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4a9b wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1018 y4a9b wacd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1019 y4a9b w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4c0c wace hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4c0c wacf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4c0c wad0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1022 y4c95 wad2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6,0<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1023 y4c95 w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1024 y4c95 wad3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(68<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1025 y4c95 wad4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>195)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa0 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4aa0 w931 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4aa0 w618 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1026 y4aa0 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1027 y4aa0 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1028 y4ade w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1029 y4ade wad6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf wad7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b8 y4adf wad8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102a y4adf wad9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102b y4adf wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _d\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102c y4adf wadb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>979<span class=\"_ _0\"></span>,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4aa3 w2ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1030 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wade h128\" id=\"_80a5f9a8-3b51-43af-b7f2-825903d84df8\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1031 y4cd1 w596 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,597<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1032 y4cd1 wadf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1033 y4cd1 wae0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">46,6<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1034 y4cd1 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1035 y4cd1 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">113,801<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cd2 wae2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,4<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4cd2 wae3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1037 y4cd2 w491 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1038 y4cd2 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1039 y4cd2 w9d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cbc w14e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103b y4cbc wae4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,256<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103c y4cbc wae5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,695)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 wae6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,684<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103d y4cc7 wae7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103e y4cc7 wae8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(48,4<span class=\"_ _0\"></span>64)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 wae9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103f y4cc8 waea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>176)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1040 y4cc8 waeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1041 y4cc3 waec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,239)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1042 y4cc3 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,279)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1043 y4cc3 waee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1044 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1045 y4cc3 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 waef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1046 y4cb0 w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,239<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1047 y4cb0 w9cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1048 y4cb0 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(<span class=\"_ _2\"></span>1,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1049 y4cb0 waf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>126)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104a y4cc4 waf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104b y4cc4 w1e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104c y4cc4 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104d y4cc4 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">813<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104e y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104f y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4cbf waf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,036<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1051 y4cbf w709 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>034)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 waf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1052 y4cb3 waf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1053 y4cb3 w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1054 y4cb3 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1055 y4cb3 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(862)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w6e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _5\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1056 y4a9a waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1057 y4a9a waf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4a9a wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1059 y4a9a waf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,433<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,49<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105a y4a9b wafa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4a9b wafb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105b y4a9b w4ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105c y4a9b w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,214<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4a9c wace hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4a9c wacf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4a9c wad0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f wafc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105d y4a9f wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105e y4a9f wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105f y4a9f waff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa0 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4aa0 wb00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1061 y4aa0 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1062 y4aa0 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1063 y4aa0 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1064 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1065 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1066 y4adf wb01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1067 y4adf wb02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1068 y4adf wb03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1069 y4adf wb04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106a y4adf wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa3 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4aa3 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4aa3 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4aa3 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106b y4aa3 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb05 h129\" id=\"_fd3a1cf7-7827-459f-9daf-e8fccb20802f\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106c y4cd5 w982 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>,775<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106d y4cd5 wb06 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4cd5 wae3 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4cd5 w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106e y4cd5 wb07 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">103,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cce wb08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106f y4cce wb09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1070 y4cce w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1071 y4cce w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>1,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1072 y4cc4 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1073 y4cc4 wb0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1074 y4cc4 w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1076 y4cbf wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,<span class=\"_ _0\"></span>129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1077 y4cbf w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,266<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1078 y4cbf wb0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>137)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4ccf wb0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,856<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1079 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,531)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107a y4ccf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107b y4a9a wb0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,<span class=\"_ _d\"></span>964)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107c y4a9a wb0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,222)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107d y4a9a wb10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107f y4a9a wfc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4a9b w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1080 y4a9b wb11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1081 y4a9b w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1082 y4a9b wb12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,211<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1083 y4c0c w9b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1084 y4c0c w723 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1085 y4c0c wafd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1086 y4c0c w871 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1087 y4a9d w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1088 y4a9d w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1089 y4a9d w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82a y4a9d w7ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">823<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4c97 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4c97 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4c97 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c97 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1090 y4c97 wb16 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1091 y4adf wb17 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x889 y4adf wb18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1092 y4adf wb19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1093 y4adf wb1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1094 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1095 y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb1b h12f\" id=\"_5c6093e1-b088-488f-9d07-cb678feebe1f\"><tr><td class=\"c n x1ca y4ce5 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce5 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1097 y4ce6 wb1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1098 y4ce6 wb1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1099 y4ce6 wb1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109a y4ce6 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109b y4ce6 wb1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109c y4cc9 wb20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109d y4cc9 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109e y4cc9 w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce7 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109f y4ce7 wb21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a0 y4ce7 wb22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a1 y4ce7 wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x941 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a2 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a3 y4ce8 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a4 y4ce8 w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a5 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cd9 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a6 y4cd9 wb24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4cd9 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce9 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ccf w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a8 y4ccf waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a9 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10aa y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ab y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ac y4ccf wb25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ad y4a9a wb26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(177)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ae y4a9a w9ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10af y4a9a w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b0 y4a9a wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b1 y4a9b w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b2 y4a9b wb27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b3 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b4 y4a9b wb28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4c0c wb29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b5 y4c0c wb2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(281)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b6 y4c0c wb2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">4<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b7 y4c0c wb2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9d wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b8 y4a9d wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b9 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">320<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ba y4a9d w174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,098<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4b3b w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4b3b w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4b3b w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4b3b w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4b3b w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4adf w43f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bb y4adf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bc y4adf wb2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bd y4adf wb2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4aa3 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4aa3 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4aa3 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4aa3 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr></table>The contr<span class=\"_ _0\"></span>actual amounts outstanding on all loans to customers that hav<span class=\"_ _0\"></span>e been written off during <span class=\"_ _0\"></span>the reporting period but are still subject to enf<span class=\"_ _0\"></span>orcement activity<span class=\"_ _0\"></span> was GEL 138,<span class=\"_ _d\"></span>972 (2022: GEL 188,545, 2021: GEL<span class=\"_ _0\"></span> 95,469).<span class=\"_ _3e0\"> </span>Collater<span class=\"_ _0\"></span>al and other credit enhanc<span class=\"_ _0\"></span>ements The amount and type of collater<span class=\"_ _0\"></span>al requir<span class=\"_ _0\"></span>ed depends on an assessment of the cr<span class=\"_ _0\"></span>edit risk of the count<span class=\"_ _0\"></span>erpart<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>. Guidelines are implemented regar<span class=\"_ _0\"></span>ding the accept<span class=\"_ _0\"></span>ability of types of collater<span class=\"_ _0\"></span>al and valuation par<span class=\"_ _0\"></span>ameters.<span class=\"_ _3e0\"> </span>The main types of collater<span class=\"_ _0\"></span>al obtained are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>For commer<span class=\"_ _0\"></span>cial lending, charges over<span class=\"_ _0\"></span> real estate pr<span class=\"_ _0\"></span>operties, equipment and machiner<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, corporate shares, in<span class=\"_ _0\"></span>ventory<span class=\"_ _0\"></span>, trade receiv<span class=\"_ _0\"></span>ables, third-party corpor<span class=\"_ _0\"></span>ate guarantees and per<span class=\"_ _0\"></span>sonal guarantees of shar<span class=\"_ _0\"></span>eholders.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>For r<span class=\"_ _0\"></span>etail lending, mortgages over r<span class=\"_ _0\"></span>esidential properties, cars, gold and jewellery<span class=\"_ _d\"></span>, third-party corpor<span class=\"_ _0\"></span>ate guarant<span class=\"_ _0\"></span>ees and personal guarantees o<span class=\"_ _0\"></span>f shareholders.<span class=\"_ _3e0\"> </span>Management requests additional c<span class=\"_ _0\"></span>ollateral in accor<span class=\"_ _0\"></span>dance with the underlying agr<span class=\"_ _0\"></span>eement and monitors the mark<span class=\"_ _0\"></span>et value of collateral ob<span class=\"_ _0\"></span>tained during its review<span class=\"_ _0\"></span> of the adequacy of<span class=\"_ _0\"></span> the allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans.<span class=\"_ _3e0\"> </span>It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy t<span class=\"_ _0\"></span>o dispose of repossessed pr<span class=\"_ _0\"></span>operties in an orderly <span class=\"_ _0\"></span>fashion or to hold <span class=\"_ _0\"></span>them for c<span class=\"_ _0\"></span>apital appreciation or earning rentals, as appr<span class=\"_ _0\"></span>opriate in each case. In gener<span class=\"_ _0\"></span>al, the Group does not oc<span class=\"_ _0\"></span>cupy r<span class=\"_ _0\"></span>epossessed properties f<span class=\"_ _0\"></span>or business use.<span class=\"_ _3e0\"> </span>Without taking into acc<span class=\"_ _0\"></span>ount the discounted <span class=\"_ _0\"></span>value of collateral, <span class=\"_ _0\"></span>the ECL f<span class=\"_ _0\"></span>or credit<span class=\"_ _0\"></span>-impaired loans would be as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wb30 h130\" id=\"_5ae3707c-b997-49f0-b23c-c9046e7da238\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cea ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4ceb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cec ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4ced ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cee ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cef ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf1 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c1 y4b42 w195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c2 y4b42 w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4c0f w76b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c4 y4c0f w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c5 y4b44 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,<span class=\"_ _d\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c6 y4b44 wb31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,430<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4b45 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c8 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,437<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c9 y4adf wb32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ca y4adf wb33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _d\"></span>,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cb y4aa3 wb35 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">436,375<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb30 h131\" id=\"_dd49b91a-c217-4c5e-b1c0-229ad16409bf\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cf2 ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cf3 ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cf4 ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cf5 ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cf6 ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cf7 ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf9 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cc y4b42 w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cd y4b42 wb36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">187<span class=\"_ _d\"></span>,653<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ce y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cf y4c0f wb38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,53<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4b44 w2c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d1 y4b44 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d2 y4b45 wb3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,597<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d4 y4adf w69e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d5 y4adf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d6 y4aa3 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">186,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d7 y4aa3 wb3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">497<span class=\"_ _5\"></span>,135<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb30 h131\" id=\"_9fc85292-e063-4d30-b268-de018a1b0733\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cfa ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cfb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cfc ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cfd ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cfe ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cff ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4d00 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4d00 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4d01 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d8 y4b42 wb3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>984<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d9 y4b42 wb3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4c0f w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10db y4c0f w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4b44 wb3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dd y4b44 wb3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>929<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10de y4b45 w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10df y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e0 y4adf w1e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e1 y4adf w388 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e2 y4aa3 wb40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">257<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e3 y4aa3 wb41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">556,394<span class=\"_ _3e0\"> </span></div></td></tr></table>Concen<span class=\"_ _0\"></span>tration of loans to cu<span class=\"_ _0\"></span>stomers<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> loans granted b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to the ten lar<span class=\"_ _0\"></span>gest third-party borr<span class=\"_ _0\"></span>owers comprised GEL<span class=\"_ gs7d\"> </span>1,507<span class=\"_ _5\"></span>,812 accounting f<span class=\"_ _0\"></span>or 7% of the gr<span class=\"_ _0\"></span>oss loan portfolio of the Gr<span class=\"_ _0\"></span>oup (2022: GEL 1,<span class=\"_ _0\"></span>017<span class=\"_ _d\"></span>,629 and 6% respectively<span class=\"_ _d\"></span>, 2021:  GEL 1,375,536 and 8% r<span class=\"_ _0\"></span>espectively). An allo<span class=\"_ _0\"></span>wance of expected cr<span class=\"_ _0\"></span>edit loss of GEL<span class=\"_ _0\"></span> 13,524 (2022: GEL 8,209<span class=\"_ _d\"></span>, 2021: GEL 2,77<span class=\"_ _0\"></span>0)  was established against these loans.<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> loans granted b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to the ten lar<span class=\"_ _0\"></span>gest third-party gr<span class=\"_ _0\"></span>oup of borrow<span class=\"_ _0\"></span>ers (borrower<span class=\"_ _0\"></span> and its related parties) comprised GEL<span class=\"_ _0\"></span> 2,414,054 accounting f<span class=\"_ _0\"></span>or 12% of the gr<span class=\"_ _0\"></span>oss loan portfolio of the Gr<span class=\"_ _0\"></span>oup (2022: GEL<span class=\"_ gs7d\"> </span>1,736,6<span class=\"_ _0\"></span>14 and 10% respectively<span class=\"_ _d\"></span>, 2021: GEL<span class=\"_ _0\"></span> 2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>136,228 and 13% respectively). An allo<span class=\"_ _0\"></span>wance of expected cr<span class=\"_ _0\"></span>edit loss of GEL<span class=\"_ _0\"></span> 3,599 (2022: GEL<span class=\"_ _0\"></span> 17<span class=\"_ _d\"></span>,392<span class=\"_ _2\"></span>, 2021: GEL 7<span class=\"_ _5\"></span>,386) was established against <span class=\"_ _0\"></span>these loans.<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, loans w<span class=\"_ _0\"></span>ere principally issued <span class=\"_ _0\"></span>within Georgia, and their distribution by<span class=\"_ _0\"></span> industr<span class=\"_ _2\"></span>y sector <span class=\"_ _0\"></span>was as follows:<span class=\"_ _3e0\"> </span><table class=\"s w61c h132\" id=\"_44d86e0b-36cd-4cac-95b0-953530c366a1\"><tr><td></td><td class=\"c n x8d8 y4d02 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d02 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d02 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d03 wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4d03 wb43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,445,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e5 y4d03 wb44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>011,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e6 y4d03 wb45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>184,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d04 wb46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Real estate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x63c y4d04 wb47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,608,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e7 y4d04 wb48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,024,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e8 y4d04 wb49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,025,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d05 wb4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Manufacturing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e9 y4d05 wb4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,477<span class=\"_ _d\"></span>,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ea y4d05 wb4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10eb y4d05 wb4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,377<span class=\"_ _d\"></span>,023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d06 wb4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ec y4d06 wb4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _0\"></span>76,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ed y4d06 wb50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>135,693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ee y4d06 w4fa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>189,<span class=\"_ _0\"></span>036<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 wb51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Hospitality<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ef y4d07 wb52 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975,621<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f0 y4d07 wb53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">828,577<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f1 y4d07 w65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">946,224<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d08 wb54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Electricity<span class=\"_ _0\"></span>, gas and water<span class=\"_ _0\"></span> supply<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f2 y4d08 wb55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">665,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f3 y4d08 w22f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">458,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f4 y4d08 wb56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 wb57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial intermediation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f5 y4d09 wad9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">401,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f6 y4d09 w5a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1,778<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f7 y4d09 w4fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">244<span class=\"_ _2\"></span>,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a wb58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f8 y4d0a w50c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">377<span class=\"_ _d\"></span>,857<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f9 y4d0a wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">512,345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4d0a wb5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">379<span class=\"_ _0\"></span>,813<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wb5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Service<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fa y4d0b wb5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fb y4d0b wb5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">302,4<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fc y4d0b wb5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _d\"></span>,602<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c wb5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransport and communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fd y4d0c wb60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273,0<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10fe y4d0c w89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ff y4d0c w63a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _2\"></span>4,512<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mining and quarrying<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1100 y4ac6 wb62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,26<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1101 y4ac6 wb63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _2\"></span>489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1102 y4ac6 w148 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1103 y4ac7 w9eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,330,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1104 y4ac7 wb64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>131,792<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4ac7 wb65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">998,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1106 y4ac8 w62d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1107 y4ac8 wb67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1108 y4ac8 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w5ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4adf w630 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4adf w631 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4adf w632 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, ne<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1109 y4aa3 wb6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110a y4aa3 wb6b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110b y4aa3 w636 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _d\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr></table>Loans have been ext<span class=\"_ _0\"></span>ended to the f<span class=\"_ _0\"></span>ollowing types of customers:<span class=\"_ _3e0\"> </span><table class=\"s w61c h133\" id=\"_b0afd29f-bafe-4f4c-87b1-adeade4d7177\"><tr><td></td><td class=\"c n x8d8 y4d0d w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d0d w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d0d w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4d0c wb43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,445,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e5 y4d0c wb44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>011,378<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e6 y4d0c wb45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>184,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Private companies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110c y4ac6 w73c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,050,06<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110d y4ac6 w288 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,086,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110e y4ac6 wb6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,257<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>93<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e wb6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">State-owned entities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110f y4d0e w38a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d0e wa7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1111 y4d0e w483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,472<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1112 y4ac8 wb6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1113 y4ac8 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1114 y4ac8 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w5ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96c y4b46 w630 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(327<span class=\"_ _d\"></span>,812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96d y4b46 w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(326,<span class=\"_ _0\"></span>005)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x96e y4b46 w632 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(404,804)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans to customers, ne<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1109 y4aa3 wb6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>170,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x110a y4aa3 wb6b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,775,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1115 y4aa3 w7a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,049<span class=\"_ _0\"></span>,916<span class=\"_ _3e0\"> </span></div></td></tr></table>Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span><table class=\"s wb70 h134\" id=\"_25802e71-2b55-4cef-af79-c5c7beeeecff\"><tr><td></td><td class=\"c n x8d8 y4d0f w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d0f w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d0f w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wb71 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Minimum lease payments rec<span class=\"_ _0\"></span>eivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1116 y4ac6 wb72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1117 y4ac6 wb73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1118 y4ac6 w237 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,508<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e wb74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Unearned finance lease income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1119 y4d0e w8f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,695)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111a y4d0e w971 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,392)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111b y4d0e wac1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(43,556<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x111c y4ac8 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111d y4ac8 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111e y4ac8 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,<span class=\"_ _0\"></span>952<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wb77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for e<span class=\"_ _0\"></span>xpected credit loss/impairment loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x111f y4b46 wb78 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,315)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4b46 wb79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8,778)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1121 y4b46 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w63d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x978 y4aa3 w63e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x979 y4aa3 w63f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1122 y4aa3 wb7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,057<span class=\"_ _3e0\"> </span></div></td></tr></table>The diff<span class=\"_ _0\"></span>erence between <span class=\"_ _0\"></span>the minimum lease payments to be rec<span class=\"_ _0\"></span>eived in the futur<span class=\"_ _0\"></span>e and the finance lease r<span class=\"_ _0\"></span>eceivables repr<span class=\"_ _0\"></span>esents unearned finance income.<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>finance lease receivables c<span class=\"_ _0\"></span>arried at GEL 0 wer<span class=\"_ _0\"></span>e pledged for<span class=\"_ _0\"></span> inter-bank loans rec<span class=\"_ _0\"></span>eived fr<span class=\"_ _0\"></span>om several cr<span class=\"_ _0\"></span>edit institutions (2022: GEL<span class=\"_ _0\"></span> 16,<span class=\"_ _0\"></span>965, 2021: 67<span class=\"_ _5\"></span>,556).<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the concentration of<span class=\"_ _0\"></span> investment in the fiv<span class=\"_ _0\"></span>e largest lease rec<span class=\"_ _0\"></span>eivables comprised GEL 18,436 or 25% o<span class=\"_ _0\"></span>f total finance lease rec<span class=\"_ _0\"></span>eivables (2022: GEL 20<span class=\"_ _0\"></span>,515 or 22%, 2021: GEL<span class=\"_ _0\"></span> 22<span class=\"_ _2\"></span>,417 or 18%). <span class=\"_ _0\"></span>An allowance of GEL<span class=\"_ _0\"></span> 47<span class=\"_ _0\"></span>4 (2022: GEL 973, 20<span class=\"_ _0\"></span>21: GEL 956) <span class=\"_ _0\"></span>was established against these lease rec<span class=\"_ _0\"></span>eivables.<span class=\"_ _3e0\"> </span>Futur<span class=\"_ _0\"></span>e minimum lease payments to be rec<span class=\"_ _0\"></span>eived after 31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December 20<span class=\"_ _0\"></span>21 are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s w5c8 h135\" id=\"_f33033d7-3bb2-4f3c-ac2b-4666827f7d47\"><tr><td></td><td class=\"c n x8d8 y4c9b w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9b w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9b w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7c wb7b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws18\">Within 1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1123 y4c7c wb7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">48,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1124 y4c7c wb7d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">51,9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1125 y4c7c w979 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,407<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wb7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 1 to 2 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4b42 w9fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1126 y4b42 w395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1127 y4b42 wb7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _d\"></span>929<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wb80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 2 to 3 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1128 y4b43 wb81 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1129 y4b43 wa43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112a y4b43 w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7e wb82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 3 to 4 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112b y4c7e wb83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112c y4c7e w767 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112d y4c7e w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,996<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 wb84 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om 4 to 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112e y4ac8 wb85 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112f y4ac8 wb86 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1130 y4ac8 wb85 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>159<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wb87 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">More than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1131 y4b46 wb88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,200<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1132 y4b46 wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1133 y4b46 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,627<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wb8a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Minimum lease payment rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1134 y4aa3 wb8b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1,<span class=\"_ _0\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1135 y4aa3 w20d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">120,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1136 y4aa3 w4d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,508<span class=\"_ _3e0\"> </span></div></td></tr></table>Movements of<span class=\"_ _0\"></span> the gross finance lease r<span class=\"_ _0\"></span>eceivables and r<span class=\"_ _0\"></span>espective allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of finance lease receiv<span class=\"_ _0\"></span>ables are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wa3b h125\" id=\"_2baa4782-cef8-425f-ab08-9b3951aa15c8\"><tr><td class=\"c n x1ca y4cc0 wb8c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4cc0 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4cc0 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4cc0 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4cc0 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4cc0 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d10 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4d10 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4d10 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4d10 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113f y4d10 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2ad y4d10 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7d y4cc2 wb91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,851<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1140 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1141 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1142 y4cc2 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x74e y4cc2 wb92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,376<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cc3 w1d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1143 y4cc3 wb93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>8,7<span class=\"_ _0\"></span>02)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1144 y4cc3 w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(594)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1145 y4cce wb94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,459)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc7 y4cce w5f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4cce w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,992)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1146 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8c y4cc4 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,59<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1147 y4cc4 wb96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _d\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1148 y4cc4 wb97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1149 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114a y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cbf wb98 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114b y4cbf w9bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114c y4cbf w6f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,285)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114d y4cbf w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,389)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114e y4cbf wb99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,513)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114f y4ccf w7e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1150 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1151 y4ccf w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1152 y4ccf w6e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(83)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1153 y4a9a wb9a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1154 y4a9a w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1155 y4a9a wb9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1156 y4a9a wb9c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>04)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1157 y4a9a wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,796<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1087 y4a9b wb9e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">987<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1158 y4a9b w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1159 y4a9b wb9f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>48<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115a y4a9b w3eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(59)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115b y4a9b wba0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115c y4c0c w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,429)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115d y4c0c wba1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49c y4c0c w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>116)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115e y4a9d wa0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115f y4a9d wa0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1160 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1161 y4a9e w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1162 y4a9e wba2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4c95 wba3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,420)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1163 y4c95 w414 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1164 y4c95 wba4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6<span class=\"_ _2\"></span>26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1165 y4c95 wba5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,472)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa0 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa0 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa0 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa0 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa0 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1064 y4c91 wa29 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1169 y4c91 wa26 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116a y4aa2 wba9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116b y4aa2 wbaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116c y4aa2 wbab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116d y4aa2 wa43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116e y4aa2 wbac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">73,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa3 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa3 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa3 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa3 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wbad h12c\" id=\"_76dbc0b7-ff05-4311-855d-ad669dabf5a6\"><tr><td class=\"c n x1ca y4cdf wbae h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4cdf w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4cdf wbaf h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d11 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4d11 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4d11 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4d11 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4d11 wbb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1177 y4d11 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1178 y4cbc wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,375<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1179 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117a y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117b y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117c y4cbc wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,375<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117d y4cbd wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117e y4cbd wbb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(262)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117f y4cbd w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d12 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1180 y4d12 wbb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(66<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1181 y4d12 wbb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">782<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1182 y4d12 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(119)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4d12 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1183 y4d12 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e7 y4cc9 wbb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(542)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1184 y4cc9 wbb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1185 y4cc9 wbba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">9<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d13 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1186 y4cb0 wbbb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1187 y4cb0 wa19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1188 y4cb0 wbbc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1189 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118a y4cb0 wbbd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118b y4cb1 wbbe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(558)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118c y4cb1 wbbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(184)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118d y4cb1 w735 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118e y4cb1 w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,394)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x118f y4cb1 w6f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb2 w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104e y4cb2 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4cb2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1190 y4cb2 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1191 y4cb3 wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1192 y4cb3 w1e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1193 y4cb3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1194 y4cb3 wbc1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1195 y4cb4 wbc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1196 y4cb4 w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd9 y4cb4 wbc3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1197 y4cb4 w10b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1198 y4cb4 wbc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb5 w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1199 y4cb5 wbc5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119a y4cb5 w9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119b y4cb5 wbc6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,32<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119c y4cb5 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119d y4cb5 w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,762<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119e y4a9c w1a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x119f y4a9c wbc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a0 y4a9c wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115e y4cb6 wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x115f y4cb6 wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb7 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1160 y4cb7 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1161 y4cb7 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1162 y4cb7 wba2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a1 y4a9f w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a2 y4a9f w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a3 y4a9f wb18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(880<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a4 y4a9f wbc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a5 y4ca8 wbc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a6 y4ca8 wbca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a7 y4ca8 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a8 y4ca8 wbcb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,848<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a9 y4ca8 wbcc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,315<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf36 y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4e y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11aa y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">158<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ab y4b3c wbcd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ac y4b3c w5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ad y4b3c wbce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ae y4b3c wbcf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,84<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11af y4b3c wbd0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a5 y4aa3 wbc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a6 y4aa3 wbca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a7 y4aa3 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a8 y4aa3 wbcb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,848<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a9 y4aa3 wbcc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,315<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wbd1 h12d\" id=\"_9a3147d0-dfa4-4e39-8146-60b259672313\"><tr><td class=\"c n x1ca y4ce1 wb8c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4ce1 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4ce2 wbd2 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4ce2 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4ce2 wbd4 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4ce2 w81d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4ce2 w619 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9da y4cc3 wbd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x359 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b4 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4cc3 wbd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b6 y4cc3 wbd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,893<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cb0 wbd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b7 y4cb0 w230 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,801)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b8 y4cb0 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,381)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b9 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ba y4cb1 wbd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,267)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bb y4cb1 w783 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bc y4cb1 wbda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bd y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4cbf w47f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11be y4cbf wbdb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>782)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bf y4cbf wbdc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c1 y4cb3 wbdd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(60,440)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c2 y4cb3 wbde hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,077)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4cb3 wbdf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,299)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4cb3 wbe0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,537)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c5 y4cb3 wbe1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,353)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4cb4 w874 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c6 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c8 y4cb4 w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4a9b w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c9 y4a9b w927 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ca y4a9b w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cb y4a9b w820 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cc y4a9c wbe2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cd y4a9c w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ce y4a9c w730 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">213<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11cf y4a9c w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d0 y4a9c wbe3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4cb6 w185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,724)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d1 y4cb6 wbe4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e w874 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4a9e w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d3 y4a9f wa08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,273)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d4 y4a9f wbe5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,022)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d5 y4a9f wbe6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,040)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d7 y4a9f w7db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,335)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4aa0 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4aa0 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4aa0 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d8 y4aa0 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d9 y4aa0 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ec y4b45 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,245<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11da y4b45 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,245<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4b46 wbe8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _d\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11db y4b46 w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11dc y4b46 wbe9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,910<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11dd y4b46 w67f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11de y4b46 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113c y4aa3 wb8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113d y4aa3 wb8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113e y4aa3 wb8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d8 y4aa3 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d9 y4aa3 wb76 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,34<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wbea h136\" id=\"_79eb4505-0d85-4d5d-8b5d-b47e9102a0bc\"><tr><td class=\"c n x1ca y4d14 wbae h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4d14 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4d14 w6d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4d14 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4d14 wbaf h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4d14 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d15 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4d15 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4d15 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4d15 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4d15 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4d15 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1178 y4cc8 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1179 y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117a y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117b y4cc8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x117c y4cc8 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cc9 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e4 y4cc9 w3b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e5 y4cc9 w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(642)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x913 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e6 y4ce7 w77e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,24<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e7 y4ce7 w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e8 y4ce7 wbed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(772)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4ce7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ce7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e9 y4ce8 wbee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ea y4ce8 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11eb y4ce8 wbef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ec y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa45 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d16 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cbf w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ed y4cbf w307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,513)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ee y4cbf w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">586<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ef y4cbf wbf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f0 y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f1 y4cbf wbf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f2 y4cb3 wbf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(66<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f3 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(299)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f4 y4cb3 w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,645)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f5 y4cb3 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,856)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f6 y4cb3 wbf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,4<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f7 y4a9a w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f8 y4a9a wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4a9a w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11f9 y4a9a w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fa y4a9b w113 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fb y4a9b wbf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fc y4a9b wbf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fd y4a9b w511 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">4<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11fe y4a9b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,892<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ff y4a9c waaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(292)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1200 y4a9c wbf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1201 y4a9c wbf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1202 y4a9c w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1203 y4a9c wbf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11eb y4a9d wbf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ec y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1204 y4a9d wbf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4a9e w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1205 y4a9f w193 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1206 y4a9f w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(18)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1207 y4a9f w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1208 y4a9f wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1209 y4a9f wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4aa0 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4aa0 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4aa0 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120a y4aa0 wbfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120b y4aa0 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd35 y4b45 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd36 y4b45 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120c y4adf w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120d y4adf w23e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120e y4adf wbfb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4adf wbfc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120f y4adf w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,426<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1173 y4aa3 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1174 y4aa3 wbb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1175 y4aa3 wbb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120a y4aa3 wbfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x120b y4aa3 wbb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,778<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wbfd h12d\" id=\"_39e946f3-fc72-4ec7-8b13-58f73b6865e8\"><tr><td class=\"c n x1ca y4ce1 wb8c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1137 y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1138 y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1139 y4ce1 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113a y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1210 y4ce2 wbfe hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1211 y4ce2 wbff hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">53,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1212 y4ce2 w6ae hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">18,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1213 y4ce2 w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1214 y4ce2 wc00 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cc3 w194 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1215 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1216 y4cc3 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1217 y4cc3 wc01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cc3 wa1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,311<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cb0 wc02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _39\"></span>4,76<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbed y4cb0 wc03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">(34,<span class=\"_ _d\"></span>715)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1218 y4cb0 wa34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1219 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe02 y4cb1 wc04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(43,879<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121a y4cb1 wc05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121b y4cb1 wc06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,601)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121c y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd13 y4cbf w91c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>925)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121d y4cbf wc07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,434)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121e y4cbf wc08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1220 y4cb3 wc09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(60<span class=\"_ _0\"></span>,625)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf48 y4cb3 w85 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,<span class=\"_ _0\"></span>912)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1221 y4cb3 wc0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>116)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1222 y4cb3 w7e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1223 y4cb3 wcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(88,<span class=\"_ _0\"></span>775)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcae y4cb4 w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1224 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1225 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1226 y4cb4 w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4a9b wc0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1227 y4a9b wc0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1228 y4a9b wc0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>66)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1229 y4a9b wc0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(2<span class=\"_ _2\"></span>49)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122a y4a9b w928 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,003)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122b y4a9c w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(535)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122c y4a9c w750 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122d y4a9c w73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122e y4a9c w981 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122f y4a9c wc0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,311<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1230 y4cb6 wc10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,232)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1231 y4cb6 wc10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,232)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1232 y4a9e w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1233 y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1234 y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1210 y4a9f wc11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,087)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1235 y4a9f w1c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,057)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1236 y4a9f w1a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(931)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1237 y4a9f w2ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,07<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa0 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa0 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa0 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa0 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa0 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1238 y4b45 w280 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1239 y4b45 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc7 y4b46 w855 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123a y4b46 wc12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123b y4b46 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,866<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123c y4b46 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123d y4b46 wc14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _2\"></span>,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa3 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa3 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa3 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc15 h137\" id=\"_abbb4a11-39b6-476e-8af2-59b24d01e07c\"><tr><td class=\"c n x1ca y4d17 wbae h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4d17 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4d17 w6d3 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1170 y4d17 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1171 y4d17 wbaf h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1172 y4d17 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123e y4ce6 wc16 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x123f y4ce6 wc17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1240 y4ce6 w84a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4ce6 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1241 y4ce6 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,376<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1242 y4cc9 wc18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1243 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1244 y4cc9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">256<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1245 y4cc9 wc19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d18 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1246 y4d18 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1247 y4d18 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1248 y4d18 wc1a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4d18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1146 y4d18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1249 y4ce8 wc1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(9<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124a y4ce8 wc1c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,371<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124b y4ce8 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124c y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124d y4cd9 wc1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(85)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ac y4cd9 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>975)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124e y4cd9 wa3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,060<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d19 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124f y4cb3 wc1e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1250 y4cb3 wc1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1251 y4cb3 wc20 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1252 y4cb3 w767 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ad y4cb4 wc21 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>61<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1253 y4cb4 w80a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>67<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1254 y4cb4 w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1255 y4cb4 wc22 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,289)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1256 y4a9b wc23 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(207)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1257 y4a9b w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(78)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x906 y4a9b w7ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1258 y4a9b wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4a9b w43f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,238<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125a y4a9c w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125b y4a9c wa32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125c y4a9c wc25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125d y4a9c wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125e y4a9c w97c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x87b y4cb6 wc26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,704)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125f y4cb6 wc26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,704)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1232 y4a9e w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1233 y4a9e w99f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1234 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f w97e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1260 y4a9f w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(550)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1261 y4a9f w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(152)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1262 y4a9f wc27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1263 y4a9f w427 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(750)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4ca8 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4ca8 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4ca8 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4ca8 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4ca8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1264 y4b45 w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1265 y4b45 wc28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,236<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11ab y4b46 w945 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1266 y4b46 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1267 y4b46 wc29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1268 y4b46 wc24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1269 y4b46 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,659<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11df y4aa3 wbeb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e0 y4aa3 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e1 y4aa3 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e2 y4aa3 wbec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,19<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11e3 y4aa3 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,895<span class=\"_ _3e0\"> </span></div></td></tr></table>The Group writ<span class=\"_ _0\"></span>es off the financ<span class=\"_ _0\"></span>e lease receivable balance <span class=\"_ _0\"></span>when it takes possession of<span class=\"_ _0\"></span> the underlying asset. The diff<span class=\"_ _0\"></span>erence between the gross and ECL<span class=\"_ _0\"></span> balances at the time o<span class=\"_ _0\"></span>f write-off r<span class=\"_ _0\"></span>epresents the <span class=\"_ _0\"></span>value of the r<span class=\"_ _0\"></span>epossessed asset.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-804": {
   "value": "Expected credit los<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span>Movements of<span class=\"_ _0\"></span> the gross loans and r<span class=\"_ _0\"></span>espective allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans to customers b<span class=\"_ _0\"></span>y class ar<span class=\"_ _0\"></span>e provided in <span class=\"_ _0\"></span>the table below<span class=\"_ _0\"></span>, within which the ne<span class=\"_ _0\"></span>w financial asset originated or pur<span class=\"_ _0\"></span>chased and the assets repaid during <span class=\"_ _0\"></span>the year include the eff<span class=\"_ _0\"></span>ects fr<span class=\"_ _0\"></span>om revolving loans and incr<span class=\"_ _0\"></span>ease of exposur<span class=\"_ _0\"></span>e to clients, wher<span class=\"_ _0\"></span>e existing loans have been r<span class=\"_ _0\"></span>epaid with new contr<span class=\"_ _0\"></span>acts issued during the year<span class=\"_ _5\"></span>. All new financial assets ar<span class=\"_ _0\"></span>e originated either in Stage 1 or POCI category<span class=\"_ _d\"></span>. Utilisation of additional tranches on e<span class=\"_ _0\"></span>xisting financial assets are r<span class=\"_ _0\"></span>eflected in Stage 2 or Stage 3 if<span class=\"_ _0\"></span> the credit risk of <span class=\"_ _0\"></span>the borrower has de<span class=\"_ _0\"></span>teriorated since initiation. Currency<span class=\"_ _0\"></span> translation dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es relate to loans issued b<span class=\"_ _0\"></span>y the subsidiaries of<span class=\"_ _0\"></span> the Group whose f<span class=\"_ _0\"></span>unctional currency is diff<span class=\"_ _0\"></span>erent f<span class=\"_ _0\"></span>rom the pr<span class=\"_ _0\"></span>esentation currency<span class=\"_ _0\"></span> of the Group<span class=\"_ _0\"></span>, while for<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement relates <span class=\"_ _0\"></span>to for<span class=\"_ _0\"></span>eign currency denominated loans issued by<span class=\"_ _0\"></span> the Group. Ne<span class=\"_ _0\"></span>t other changes in gross loan balance<span class=\"_ _0\"></span>s includes the eff<span class=\"_ _0\"></span>ects of changes in accrued interes<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. Net other measurement o<span class=\"_ _0\"></span>f ECL includes the ef<span class=\"_ _0\"></span>fect of changes in ECL<span class=\"_ _0\"></span> due to post-model adjustments, changes in PDs and other<span class=\"_ _0\"></span> inputs, as well as the eff<span class=\"_ _0\"></span>ect fr<span class=\"_ _0\"></span>om ECL attributable <span class=\"_ _0\"></span>to changes in accrued intere<span class=\"_ _0\"></span>st<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span><table class=\"s w645 h123\" id=\"_2e907da6-1f8d-4468-abd1-12376c704318\"><tr><td class=\"c n x1ca y4caa w646 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4cab w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4cab w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4cab w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4cab w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4cab wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cac w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4cac w652 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,382<span class=\"_ _2\"></span>,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x989 y4cac w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98a y4cac w31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98b y4cac w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,820<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98c y4cac w53c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>460,419<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w656 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98e y4cad w657 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,262)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cae w659 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408,616<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x990 y4cae w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">413,869<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x991 y4cae w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4caf w65c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,314)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x995 y4caf w65d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,720<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x996 y4caf w65e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4caf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x999 y4cb0 w660 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165,<span class=\"_ _0\"></span>947)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99a y4cb0 w661 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99b y4cb0 w662 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99d y4cb0 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(166,529)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99e y4cb1 w664 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,279<span class=\"_ _d\"></span>,698)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99f y4cb1 w665 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(318,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a0 y4cb1 w666 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">(96,<span class=\"_ _0\"></span>967)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a1 y4cb1 w667 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a2 y4cb1 w668 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,7<span class=\"_ _0\"></span>05,733<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb2 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4cb2 w66a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4cb2 w66b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a5 y4cb2 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a7 y4cb2 w66c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,255<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a8 y4cb3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(755)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a9 y4cb3 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9aa y4cb3 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78e y4cb3 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ab y4cb3 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x890 y4cb4 w56a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ac y4cb4 w672 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,490<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4cb4 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(375)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ae y4cb4 w674 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9af y4cb4 w675 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb5 w676 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b0 y4cb5 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b1 y4cb5 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b2 y4cb5 w678 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4cb5 we5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b4 y4cb5 w679 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,033<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b8 y4a9c w67b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ba y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bb y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bc y4cb6 w67f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb7 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4cb7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9be y4cb7 w681 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bf y4cb7 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c0 y4cb7 w683 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x72c y4a9f w21f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c1 y4a9f w685 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(3,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c2 y4a9f w1af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,756)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c3 y4a9f w686 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4ca8 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4ca8 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4ca8 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4ca8 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4ca8 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ac8 w90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _2\"></span>,801<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ca y4ac8 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">21,497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cb y4ac8 w68e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">114,298<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4b3c w690 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cd y4b3c w691 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">515,<span class=\"_ _0\"></span>789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ce y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cf y4b3c w692 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls1 ws5e\">2<span class=\"_ _39\"></span>,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d0 y4b3c w693 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>903,319<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w694 h124\" id=\"_2a088a08-0751-465a-929e-93e47d500497\"><tr><td class=\"c n x1ca y4cb8 w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cb8 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cb8 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cb8 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cb8 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cb8 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4cb9 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4cb9 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4cb9 w564 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">4<span class=\"_ _2\"></span>4,<span class=\"_ _2\"></span>247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d8 y4cb9 w427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4cb9 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9da y4cba w699 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>952<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9db y4cba w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cba w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4cba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9de y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbb w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9df y4cbb w69b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e0 y4cbb w69c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,811)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4cbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x785 y4cbc w69d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,004)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e3 y4cbc w69e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e4 y4cbc w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,389)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e7 y4cbd w69f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e8 y4cbd w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,406)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e9 y4cbd w6a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cbe ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ec y4cae w6a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ed y4cae w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ee y4cae w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,549<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ef y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f0 y4cae w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4caf w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f1 y4caf w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f2 y4caf w6a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f3 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4caf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f5 y4caf w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(538)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,364)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f7 y4cb0 w6aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f8 y4cb0 w6ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>09)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f9 y4cb0 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fa y4cb0 w2d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,428)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fb y4cb1 w6ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fc y4cb1 w6ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fd y4cb1 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9fe y4cb1 w6b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ff y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa00 y4cbf w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa01 y4cbf w6b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(14<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbf w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa03 y4cbf w435 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa04 y4cb3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa05 y4cb3 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x911 y4cb3 w6b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa06 y4cb3 w6b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa07 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(425)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa08 y4cb4 w6b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,005<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb4 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0a y4cb4 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,249<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0b y4cb4 w6bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0c y4cb4 w6bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,76<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,823)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0d y4a9b w6be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,5<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0e y4a9b w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa0f y4a9b w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa10 y4a9b w6c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa12 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa14 y4a9c w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4cb6 w67d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,723<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa17 y4cb6 w67e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa18 y4cb6 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1a y4a9e w165 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1b y4a9e w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1c y4a9e w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1d y4a9f w6c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1e y4a9f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa1f y4a9f w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,296)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa21 y4a9f w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,486)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4ca8 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4ca8 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4ca8 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4ca8 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4ca8 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa28 y4ac8 w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39,56<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa29 y4ac8 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2a y4ac8 w6cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls7d ws37\">48,497<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4b3c w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2c y4b3c w6cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4b3c w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2e y4b3c w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4b3c w6cf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">51,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w6c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa23 y4aa3 w6c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa24 y4aa3 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa25 y4aa3 w6c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4aa3 w579 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,378<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w6d0 h125\" id=\"_4ec8e50c-f0b8-49ee-a3a6-3eaf5a5d28f4\"><tr><td class=\"c n x1ca y4cc0 w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cc0 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cc0 w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cc0 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cc0 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cc0 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc1 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4cc1 w6d4 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4cc1 w6d5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa37 y4cc1 w6d6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa38 y4cc1 w6d7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x928 y4cc1 w6d8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa39 y4cc2 w6d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,527<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3a y4cc2 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3c y4cc2 w2c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3d y4cc2 w6da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,541,<span class=\"_ _d\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3e y4cc3 w6db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc3 w6dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268,798)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa41 y4cb0 w6dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa42 y4cb0 w6de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352<span class=\"_ _2\"></span>,400<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa43 y4cb0 w6df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa45 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc4 w6e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4cc4 w6e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,67<span class=\"_ _0\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x733 y4cc4 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cbf w2df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,081,098)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4b y4cbf w6e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4c y4cbf w6e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4d y4cbf w148 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4e y4cbf w6e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>175,415)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4cb3 w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa50 y4cb3 w6e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa51 y4cb3 w6e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(83)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa52 y4cb3 w6e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(185)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa53 y4cb3 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">399<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa54 y4a9a w6eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa55 y4a9a w6ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(150)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa56 y4a9a w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa57 y4a9a w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa58 y4a9a w6ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>962<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa59 y4a9b w6ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,727)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5a y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5b y4a9b w6f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5c y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4a9b w6f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,852)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4a9f w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa68 y4a9f w6fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa69 y4a9f w6fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6b y4a9f w41 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,205)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa0 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa0 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa0 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa0 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa0 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa71 y4ac8 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa72 y4ac8 w5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa73 y4ac8 w701 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa74 y4aa2 w702 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa2 w703 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\"><span class=\"ffb\">1</span>74,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa75 y4aa2 w453 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>0,7<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa76 y4aa2 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">30,09<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa77 y4aa2 w34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,555,265<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w705 h126\" id=\"_7f2c53b1-db11-4e34-aa2b-e27e4acc1ed1\"><tr><td class=\"c n x1ca y4cc5 w706 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cc5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cc5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cc5 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cc5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cc5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4cc6 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4cc6 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4cc6 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa81 y4cc6 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa82 y4cbc w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa85 y4cbc w70a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4cc7 w70b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76a y4cc7 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26b y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8a y4cc8 w5ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">9,9<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8b y4cc8 w70d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>196)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x910 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8c y4cc9 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,612)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8d y4cc9 w70e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>152)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8e y4cc9 w70f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">4<span class=\"_ _39\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cca ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa90 y4cb0 w710 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa91 y4cb0 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa92 y4cb0 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,016<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa93 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa94 y4cb0 w711 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa95 y4cc4 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,516)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa96 y4cc4 w713 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(747)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa97 y4cc4 w714 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,7<span class=\"_ _0\"></span>01)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa98 y4cc4 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,395)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa99 y4cc4 w666 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,359)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9b y4cbf w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">1<span class=\"_ _2\"></span>,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9c y4cbf w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9d y4cbf w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9e y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9f y4cb3 w719 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa0 y4cb3 w71a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa1 y4cb3 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa2 y4cb3 w71b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa3 y4a9a w71c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,690<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa4 y4a9a w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4a9a w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,842<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa6 y4a9a w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9a w71f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa8 y4a9b w720 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa9 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(563)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x738 y4a9b w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaa y4a9b w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaab y4a9b w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,729<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4a9c w6f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,53<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5f y4a9c w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4a9c w6f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,797)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa62 y4a9d w6f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa63 y4a9d w6f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9e w6f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa66 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaad y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaae y4a9f w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaaf y4a9f w728 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa0 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa0 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa0 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa0 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa0 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab5 y4ac8 w72e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab6 y4ac8 w72f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab7 y4ac8 w730 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">321<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4aa2 w731 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab8 y4aa2 w732 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab9 y4aa2 w733 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaba y4aa2 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,604<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabb y4aa2 w735 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>429<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab0 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab1 y4aa3 w72a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab2 y4aa3 w72b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab3 y4aa3 w72c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4aa3 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,750<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w736 h127\" id=\"_b6a23412-108b-4283-bae5-2ceae5f02a46\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4ccc w739 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4ccc w73a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac2 y4ccc w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac3 y4ccc w547 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac4 y4ccc w73c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac5 y4ccd w73d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,729<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac6 y4ccd w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4ccd w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,502<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac9 y4ccd w73e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,732,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaca y4cc2 w73f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x780 y4cc2 w740 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,013)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4cc3 w741 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>308,580)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacf y4cc3 w291 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad0 y4cc3 w742 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,465)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w743 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4cce w744 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(115,231)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad4 y4cce w745 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,086<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x933 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad5 y4cc4 w746 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,273,519<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad6 y4cc4 w747 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(81,401)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4cc4 w748 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,<span class=\"_ _d\"></span>161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad7 y4cc4 w749 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,572)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad8 y4cc4 w74a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,421,653)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf w24c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(75,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xada y4cbf w74b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa5 y4cbf w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadb y4cbf w74d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(78,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w74e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xade y4ccf w74f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadf y4ccf w750 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae0 y4ccf w552 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(2,448)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4a9a w751 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _5\"></span>,031<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae2 y4a9a w752 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae3 y4a9a w13d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9a w2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae5 y4a9a w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,210<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b w754 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae7 y4a9b w755 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae8 y4a9b w756 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae9 y4a9b w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaea y4a9b w757 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,531<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4c0c w758 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4c0c w1be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4c0c w759 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf3 y4c95 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf4 y4c95 w4a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>998)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4c95 w65a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf6 y4c95 w75e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>152)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa0 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa0 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa0 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa0 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60b y4c91 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafc y4c91 w764 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _d\"></span>131<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4aa2 w765 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>709<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafd y4aa2 w766 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _2\"></span>1,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4aa2 w80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _0\"></span>,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafe y4aa2 w767 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa2 w768 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,043,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w694 h128\" id=\"_aff069b7-8faa-429b-9d0a-d97fc5da5662\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4cd1 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb01 y4cd1 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb02 y4cd1 w76b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb03 y4cd1 w76c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb04 y4cd1 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cd2 w76d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb06 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb07 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb08 y4cd2 w76f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbc w770 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,627<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0a y4cbc w771 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0d y4cc7 w772 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,665)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0e y4cc7 w773 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,372<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4cc7 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb10 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w4a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,90<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb12 y4cc8 w63f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,647)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb13 y4cc8 w775 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,54<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb15 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(754)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb17 y4cc3 w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,692)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb18 y4cc3 w32f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,5<span class=\"_ _0\"></span>91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb19 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1a y4cc3 w777 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,<span class=\"_ _0\"></span>145<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1b y4cb0 w34e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4cb0 w778 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1d y4cb0 w583 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,7<span class=\"_ _0\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1e y4cb0 w779 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1f y4cb0 w77a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,787)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb21 y4cc4 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb22 y4cc4 w3ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(868)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4cc4 w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(735)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb25 y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb26 y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb27 y4cbf w77e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,24<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb28 y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb29 y4cbf w722 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,227)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2a y4cb3 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2b y4cb3 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2c y4cb3 w77f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3fa y4cb3 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2d y4cb3 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,456<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w781 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,661)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2f y4a9a w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb30 y4a9a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb31 y4a9a w3cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">596<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb32 y4a9a w20a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b w784 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,<span class=\"_ _0\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb33 y4a9b w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb34 y4a9b w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb35 y4a9b wa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4a9b w786 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,818<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4a9c w758 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaec y4a9c w1be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaed y4a9c w759 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,638)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa61 y4a9d w75a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaee y4a9d w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaef y4a9d w75b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf1 y4a9e w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf2 y4a9e w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(139<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb38 y4a9f w788 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb39 y4a9f w789 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,204)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3a y4a9f w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,515)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa0 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa0 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa0 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa0 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa0 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa27 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb40 y4ac8 w2a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14,564<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac8 w384 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb42 y4aa2 w500 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb43 y4aa2 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb44 y4aa2 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4aa2 w78f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb46 y4aa2 w790 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">5<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3b y4aa3 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3c y4aa3 w78b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3d y4aa3 w78c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3e y4aa3 w78d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb3f y4aa3 w13c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,661<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w791 h127\" id=\"_5fa29628-6b4e-4d24-af6d-75481b6fdb92\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4ccc w793 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4ccc w794 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4ccc w795 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4ccc w796 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4ccc w797 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4ccd w1dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,547<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb52 y4ccd w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb53 y4ccd w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb54 y4ccd w562 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>964<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb55 y4ccd w798 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,572,535<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb56 y4cc2 w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,459<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb57 y4cc2 w79a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(289,423)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb58 y4cc2 w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5a y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 w79c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>473,300<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5c y4cc3 w79d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">524<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5d y4cc3 w79e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5f y4cce w79f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _0\"></span>199)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb60 y4cce w7a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110,688<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb61 y4cce w7a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb63 y4cc4 w7a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>179,<span class=\"_ _d\"></span>954)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb64 y4cc4 w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(107<span class=\"_ _5\"></span>,858)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb65 y4cc4 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(69,<span class=\"_ _0\"></span>753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x959 y4cc4 w7a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,030<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb66 y4cc4 w7a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,369<span class=\"_ _d\"></span>,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb67 y4cbf w7a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb68 y4cbf w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb69 y4cbf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6b y4cbf w6a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6d y4ccf w7aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4ccf w27c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6f y4ccf w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb70 y4ccf w7ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,092)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb71 y4a9a w7ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb72 y4a9a w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9a w7ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb74 y4a9a w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">89<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb75 y4a9a w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">5,787<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb76 y4a9b w7b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(508)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb77 y4a9b w7b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,333)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb78 y4a9b w7b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb79 y4a9b w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">595<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4a9b w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4c0c w7b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4c0c w7b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4c0c w7b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb83 y4c95 w7bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">(<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb84 y4c95 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4c95 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb87 y4c95 w7bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(3<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,77<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa0 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa0 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa0 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa0 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa0 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8d y4c91 w7c1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8e y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8f y4c91 w7c2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 lsa3 ws89\">2,464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4c91 w7c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,463<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4aa2 w7c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,325,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb93 y4aa2 w7c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _2\"></span>4,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb94 y4aa2 w7c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4aa2 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb96 y4aa2 w109 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4,697<span class=\"_ _d\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w791 h128\" id=\"_8dd5a2b0-71c8-4d1a-8c8c-0f62c595511d\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4cd1 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4cd1 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9e y4cd1 w7ca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">6<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9f y4cd1 w7cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4cd1 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cd2 w7cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba2 y4cd2 w7ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba3 y4cd2 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba4 y4cd2 w7d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba5 y4cbc w7d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba6 y4cbc w7d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,094)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba7 y4cbc w7d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 w226 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,869)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba9 y4cc7 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaa y4cc7 w7d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,336)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>49<span class=\"_ _d\"></span>,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4cc8 w7d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbae y4cc8 w5ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbaf y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w7d7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb1 y4cc3 w7d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,<span class=\"_ _0\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb2 y4cc3 w7d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb3 y4cc3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(457)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb4 y4cb0 w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb5 y4cb0 w7db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,393)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb6 y4cb0 w7dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb7 y4cb0 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,886)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb8 y4cb0 w7dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>1<span class=\"_ _39\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cc4 w7de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbba y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbb y4cc4 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbd y4cc4 w7df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa9a y4cbf w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbe y4cbf w750 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,235)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc0 y4cbf w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc1 y4cbf w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4cb3 w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc3 y4cb3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc4 y4cb3 w7e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc5 y4cb3 w7e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc6 y4cb3 w7e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb2e y4a9a w7e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>175)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc7 y4a9a w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc8 y4a9a w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac8 y4a9a w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4a9a w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbca y4a9b w95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcb y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,210)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcc y4a9b w7e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcd y4a9b w7a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4a9b w60c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4a9c w7b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113,820)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7c y4a9c w7b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7d y4a9c w7b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(116,228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7e y4a9d w7b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7f y4a9d w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,37<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb80 y4a9d w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,246<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9e w4ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb81 y4a9e w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb82 y4a9e w7bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(269)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd0 y4a9f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x48e y4a9f w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(161)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd1 y4a9f w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa0 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa0 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa0 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa0 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa0 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd6 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4ac8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd8 y4ac8 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd9 y4aa2 w46a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbda y4aa2 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,044<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdb y4aa2 w4aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">62,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdc y4aa2 w7f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdd y4aa2 w7f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">130,571<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4aa3 w7ec hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd2 y4aa3 w7ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd3 y4aa3 w7ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd4 y4aa3 w7ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd5 y4aa3 w7f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,633<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w7f3 h129\" id=\"_b9c3ca8e-f69a-464e-9f54-369221287cd6\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w64c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4cd5 w7f5 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4cd5 w7f6 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe5 y4cd5 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cd5 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe6 y4cd5 w7f8 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe7 y4cce w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe9 y4cce w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">401<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbeb y4cce w7fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>95<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cc4 w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbed y4cc4 w7fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,660)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c4 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbab y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8c7 y4cbf w7fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbef y4cbf w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf0 y4cbf w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,493)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa49 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4ccf w800 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x79d y4ccf w801 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,800)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf1 y4ccf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4a9a w802 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,379<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf5 y4a9a w803 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,67<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf6 y4a9a w804 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>124)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf7 y4a9a w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,<span class=\"_ _d\"></span>179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf8 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ad y4a9b w806 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9b w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(335)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc2 y4c0c w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfb y4c0c w3be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfc y4c0c w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfe y4c0c w808 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbff y4a9d w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadd y4a9d w809 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc00 y4a9d w80a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4a9d w5d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4c95 w80d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4c96 w80e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4c96 w80f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4c97 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4c97 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4c97 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4c97 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4c97 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0d y4aa2 w812 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0e y4aa2 w813 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">8,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0f y4aa2 w814 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4aa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc11 y4aa2 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w815 h12a\" id=\"_9212ce4a-2725-4b55-a5f7-2583d1538a38\"><tr><td class=\"c n x1ca y4cd6 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4cd6 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4cd6 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4cd6 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4cd6 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4cd6 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd7 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4cd7 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4cd7 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4cd7 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cd7 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc19 y4cd7 w819 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd8 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cd8 w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1b y4cd8 w1de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cd8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cd9 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(19)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc20 y4cd9 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc21 y4cd9 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cd9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cda w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cda w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc25 y4cda w81a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc26 y4cda w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cda wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cdb ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb4 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc27 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc28 y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc29 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2a y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2b y4cb4 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2c y4a9b w81b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2d y4a9b w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2e y4a9b w81d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2f y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc30 y4a9b w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc31 y4a9c w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc32 y4a9c w1a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc33 y4a9c w81e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc35 y4a9c w81f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc36 y4cb6 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc37 y4cb6 w81c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc38 y4cb6 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc39 y4cb6 w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa11 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc02 y4a9e w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc03 y4a9e w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,438)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa15 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc04 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc06 y4a9f w80d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa19 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc07 y4b3a w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">5<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4b3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc08 y4b3a w80f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4b3b w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4b3b w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4b3b w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4b3b w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4b3b w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w68f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3e y4b3c w4c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3f y4b3c w824 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls5 wse\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc40 y4b3c w825 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4b3c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc41 y4b3c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3a y4aa3 w821 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3b y4aa3 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3c y4aa3 w823 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfd y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc3d y4aa3 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,390<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w827 h123\" id=\"_416532df-9b95-47db-bccf-d2fb560cacbb\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4cab w829 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc43 y4cab w82a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc44 y4cab w82b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc45 y4cab w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc46 y4cab w82c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb51 y4cdc w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">4,<span class=\"_ _2\"></span>574,<span class=\"_ _0\"></span>787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc47 y4cdc w82e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc48 y4cdc w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">693<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc49 y4cdc w82f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,9<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4a y4cdc w830 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,617<span class=\"_ _d\"></span>,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4b y4cad w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202,<span class=\"_ _2\"></span>422<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4c y4cad w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(202,<span class=\"_ _2\"></span>422)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w833 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(773,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4cae w834 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">803,<span class=\"_ _0\"></span>734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc50 y4cae w835 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cc3 w836 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc53 y4cc3 w837 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(98,586<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc54 y4cc3 w838 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc55 y4cb0 w839 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc56 y4cb0 w83a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc57 y4cb0 w807 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(8<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b8 y4cb0 w83b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,824)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4a y4cb1 w83c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,092,938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc58 y4cb1 w83d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(217<span class=\"_ _d\"></span>,06<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb1 w83e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(83,<span class=\"_ _d\"></span>154)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4cb1 w83f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>9,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5b y4cb1 w840 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,402,<span class=\"_ _0\"></span>919)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w841 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5d y4cbf w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,622<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbf y4cbf w63f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,567)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5f y4cbf w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,633<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc60 y4cb3 w843 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,330<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc61 y4cb3 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc62 y4cb3 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc63 y4cb3 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc64 y4cb3 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,499<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc65 y4cb4 w845 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(512<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc66 y4cb4 w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(89,<span class=\"_ _0\"></span>055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc67 y4cb4 w847 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,259)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc68 y4cb4 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,843)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc69 y4cb4 w848 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(627<span class=\"_ _5\"></span>,288)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6a y4a9b w849 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,<span class=\"_ _d\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6b y4a9b w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4a9b w84a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6d y4a9b w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(653)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6e y4a9b w84b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,001<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w84f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33,<span class=\"_ _0\"></span>751)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc77 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc78 y4a9f w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4a9f w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,690)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa0 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa0 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7a y4aa0 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7b y4aa0 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7c y4aa0 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7d y4b45 w559 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _0\"></span>,486<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4b45 w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,603<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94a y4b45 w853 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,089<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4b46 w854 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc80 y4b46 w7f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc81 y4b46 w855 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b46 w856 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc83 y4b46 w857 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>142,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc84 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc85 y4aa3 w858 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc86 y4aa3 w852 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc87 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w859 h12b\" id=\"_fe6514ef-ec98-4d68-96c1-614c9d323213\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4cb9 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4cb9 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8a y4cb9 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8b y4cb9 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8c y4cb9 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cba w387 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8d y4cba w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8e y4cba w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4cba w85e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc90 y4cba w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,630<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cd2 w85f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc91 y4cd2 w860 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc93 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc94 y4cbc w152 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>172)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc95 y4cbc w861 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc96 y4cbc w862 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc97 y4cbd w863 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc98 y4cbd w864 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc99 y4cbd w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9a y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cae w866 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9c y4cae w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9d y4cae w868 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9e y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9f y4cae w869 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca0 y4cc3 w86a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca2 y4cc3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca3 y4cc3 w86c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca4 y4cb0 w86d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca5 y4cb0 w86e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,325)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca6 y4cb0 w86f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _d\"></span>,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca7 y4cb0 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4cb0 w870 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(77<span class=\"_ _d\"></span>,840)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca9 y4cb1 w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,404<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaa y4cb1 w871 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcab y4cb1 w872 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(99<span class=\"_ _2\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcad y4cb1 w3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,380<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcae y4cbf w873 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcaf y4cbf w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dc y4cbf w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb0 y4cbf w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb1 y4cbf w875 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 w876 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb3 y4cb3 w877 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,696<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc59 y4cb3 w878 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,613)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb4 y4cb3 w879 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(883)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb5 y4cb3 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,<span class=\"_ _0\"></span>113)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4cb4 w87a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,810<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb6 y4cb4 w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb7 y4cb4 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,29<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb8 y4cb4 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5<span class=\"_ _2\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb9 y4cb4 w87d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _d\"></span>188)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcba y4a9b w87e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4a9b w87f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,716<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbb y4a9b w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,<span class=\"_ _2\"></span>491)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbc y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,582)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbd y4a9b w881 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,687)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6f y4a9c w84c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4cb6 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc71 y4cb6 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc72 y4cb6 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4a9e w84e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc74 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc75 y4a9e w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbcf y4a9f w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbe y4a9f w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>079)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcbf y4a9f w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>941)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4a9f w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,813)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa0 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa0 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa0 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa0 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4aa0 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4b45 w884 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc6 y4b45 w5bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc7 y4b46 w885 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbad y4b46 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc8 y4b46 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc9 y4b46 w1e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4b46 w886 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,572<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x736 y4aa3 w696 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d6 y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d7 y4aa3 w883 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,247<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc2 y4aa3 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccb y4aa3 w698 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">91,557<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w887 h127\" id=\"_ae4d5402-a8bc-4e7e-961e-5127055d7237\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4ccc w888 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4ccc w889 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4ccc w88a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4ccc w88b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4ccc w88c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd1 y4ccd w88d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,46<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>957<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd2 y4ccd w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ccd wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd3 y4ccd w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd4 y4ccd w88e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,480,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd5 y4cc2 w88f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">403,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd6 y4cc2 w890 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(403,398)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd7 y4cc2 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0c y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd8 y4cc3 w891 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(375,<span class=\"_ _d\"></span>932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd9 y4cc3 w892 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>43,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcda y4cc3 w893 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cce w894 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,<span class=\"_ _d\"></span>171)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdc y4cce w895 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(49<span class=\"_ _d\"></span>,817)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdd y4cce w708 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,<span class=\"_ _0\"></span>988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf4 y4cc4 w896 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(901,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdf y4cc4 w897 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>945)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce0 y4cc4 w898 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(49<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4cc4 w899 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,849<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x902 y4cc4 w89a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,019<span class=\"_ _d\"></span>,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce2 y4cbf w187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce6 y4cbf w89b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(603)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce8 y4ccf w1e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce9 y4ccf w89c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcea y4ccf w6b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(16<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xceb y4ccf w89d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w89e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(254,899)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xced y4a9a w89f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4a9a w8a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,022)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcef y4a9a w244 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,527)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf0 y4a9a w8a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(288,001)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf1 y4a9b w8a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf2 y4a9b w8a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,211)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf3 y4a9b w8a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf4 y4a9b w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf5 y4a9b w41f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,220<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4c0c w8a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4c0c w508 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4c0c w8a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4a9d w8a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4a9d w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa67 y4c95 w8aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfe y4c95 w8ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcff y4c95 w8ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd00 y4c95 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa0 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa0 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa0 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa0 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd04 y4ade w427 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd05 y4ade w8af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>925,<span class=\"_ _0\"></span>906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd06 y4adf w8b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4adf w8b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,717<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd07 y4adf w7b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd08 y4adf w8b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>190,264<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa36 y4aa3 w6d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd01 y4aa3 w383 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd02 y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd03 y4aa3 w8ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w8b4 h12c\" id=\"_ba45e64b-2b2c-4a61-9355-86fe4b62864f\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4cc6 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4cc6 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4cc6 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0b y4cc6 w8b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls65 ws98\">2,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0c y4cc6 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cbc w8ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,452<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4cbc w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>403<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x925 y4cbc w8bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,855<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb09 y4cbd w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,673<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73c y4cbd w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,608)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0f y4cbd w8bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb62 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa89 y4cc8 w8be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,236<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd10 y4cc8 w8bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd11 y4cc8 w8c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,7<span class=\"_ _0\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd13 y4cc9 w8c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd14 y4cc9 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,484)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd15 y4cc9 w8c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w8c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,807)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd16 y4cb0 w8c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(10,903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd17 y4cb0 w8c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd18 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd19 y4cb0 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>943)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1a y4cb1 w8c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,731)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1b y4cb1 w8c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(961)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4cb1 w8c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,220<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1d y4cb1 w8c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>1<span class=\"_ _2\"></span>03)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1e y4cb1 w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,015)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd20 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd21 y4cbf w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd22 y4cbf w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd23 y4cbf w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,006<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd25 y4cb3 w7e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd26 y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd27 y4cb3 w7eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62f y4cb3 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,516)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb05 y4cb4 w8cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,487)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4cb4 w865 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd29 y4cb4 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,39<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2a y4cb4 w8cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2b y4cb4 w8ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,222<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2c y4a9b w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(839<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2d y4a9b w880 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,20<span class=\"_ _0\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2e y4a9b w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,628)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd2f y4a9b w8d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4a9b w8d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,39<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc4 y4a9c w8a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf6 y4a9c w508 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(730)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf7 y4a9c w8a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf8 y4cb6 w8a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcf9 y4cb6 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfa y4cb6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,294<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfb y4a9e w3ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfc y4a9e w7fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcfd y4a9e w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">291<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaac y4a9f w725 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd31 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x942 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd32 y4a9f w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4ca8 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4ca8 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4ca8 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd33 y4ca8 w8d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd34 y4ca8 w709 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd35 y4b45 w8d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">5<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd36 y4b45 w8d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">576<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd37 y4b46 w8d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd28 y4b46 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd38 y4b46 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd39 y4b46 w6c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x23d y4b46 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,4<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7d y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7e y4aa3 w707 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7f y4aa3 w708 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3a y4aa3 w54c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3b y4aa3 w8d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,055<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w8d8 h127\" id=\"_89254d3c-4f01-4be2-8cb3-c6052b312561\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4ccc w8d9 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3d y4ccc w8da hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3e y4ccc w8db hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3f y4ccc w298 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd40 y4ccc w8dc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd w8dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>953,<span class=\"_ _0\"></span>940<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd42 y4ccd w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,854<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc6c y4ccd w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd43 y4ccd w8df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd44 y4ccd w8e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>966,088<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd45 y4cc2 w8e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">337<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd46 y4cc2 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(337<span class=\"_ _0\"></span>,049)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4a y4cc3 w8e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(442,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4b y4cc3 w8e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4c y4cc3 w8e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>,857)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad2 y4cce w8e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50,683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4e y4cce w8e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,47<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4f y4cce w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">157<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd51 y4cc4 w8e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>142,<span class=\"_ _0\"></span>937)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd52 y4cc4 w8e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(125,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd53 y4cc4 w8ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71,<span class=\"_ _0\"></span>105)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd54 y4cc4 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>917)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd55 y4cc4 w8ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,345,789<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd56 y4cbf w246 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,<span class=\"_ _0\"></span>709<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd57 y4cbf w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,680<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd58 y4cbf w8ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,034<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd59 y4cbf w8ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224,355)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xadc y4ccf w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">194<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5a y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5b y4ccf w185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5c y4ccf w79b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5d y4ccf w8f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,330)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcec y4a9a w8f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(275,010)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5e y4a9a w8f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4a9a w8f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,669)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x893 y4a9a w8f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(350)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd60 y4a9a w8f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(320,<span class=\"_ _d\"></span>947)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w8f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd62 y4a9b w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4a9b w8c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd63 y4a9b w1e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ce y4a9b w8f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4c0c w8f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4c0c w8f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4c0c w578 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6b y4c95 w8fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6c y4c95 w1c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4c95 w8fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x61c y4c95 w8ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,795)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa0 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac1 y4aa0 w73a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa0 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6e y4aa0 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6f y4aa0 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c9 y4ade w7e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd70 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf w901 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd71 y4adf w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd72 y4adf w903 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd73 y4adf w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,844<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd74 y4adf w4d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>86,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a6 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>6,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd76 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd77 y4aa3 w73c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h128\" id=\"_f4748e5e-a738-40ac-8fb6-2b13282dc824\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4cd1 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd79 y4cd1 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7a y4cd1 w33b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7b y4cd1 w908 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7c y4cd1 w4dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7d y4cd2 w909 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7e y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 w90a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">97<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd80 y4cd2 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd81 y4cd2 w90b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,300<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd82 y4cbc w90c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd83 y4cbc w90d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,921)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cc7 w90e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,873)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd86 y4cc7 w90f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd87 y4cc7 w910 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb11 y4cc8 w6f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,295)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd89 y4cc8 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,503)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8a y4cc8 w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8c y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb16 y4cc3 w913 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8d y4cc3 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(9,<span class=\"_ _d\"></span>903)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8e y4cc3 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8f y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd90 y4cc3 w915 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,212<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w6a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,663)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd91 y4cb0 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd92 y4cb0 wcd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,514)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4cb0 w917 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd93 y4cb0 w918 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>1,738)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb20 y4cc4 w919 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd94 y4cc4 w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd95 y4cc4 w91b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd96 y4cc4 w91c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,523<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd97 y4cbf w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd98 y4cbf w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd99 y4cbf w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>147)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9a y4cbf w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9b y4cbf w91e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>145)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9c y4cb3 w290 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9d y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4cb3 w867 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(3,448)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9f y4cb3 w91f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda0 y4cb3 w920 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a w921 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _d\"></span>929)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4a9a w922 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda3 y4a9a w6cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda4 y4a9a w923 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda5 y4a9a w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda6 y4a9b w925 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda7 y4a9b w7e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,012)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda8 y4a9b w926 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda9 y4a9b w80e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">49<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaa y4a9b w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b7 y4a9c w8f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,629)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd64 y4a9c w8f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4a9c w578 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>727)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd66 y4a9d w8fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd67 y4a9d w8fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd68 y4a9d w8fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,954<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38c y4a9e w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd69 y4a9e w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6a y4a9e w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,320<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f w787 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(143<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a4 y4a9f w927 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(9<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdab y4a9f w424 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4a9f w928 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,003)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa0 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa0 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls7d ws37\">5,448<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdad y4aa0 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdae y4aa0 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaf y4aa0 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb0 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb1 y4b45 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89f y4adf w92b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>0,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb2 y4adf w92c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb3 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>765<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb4 y4adf w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb5 y4adf w92e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">52,950<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb00 y4aa3 w76a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4aa3 w92f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73d y4aa3 w6ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,317<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b3 y4aa3 w92a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">659<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb6 y4aa3 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">63,502<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w827 h127\" id=\"_a53383e8-2713-468f-95e7-ee105a77607b\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4ccc w930 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4ccc w931 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4ccc w618 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdba y4ccc w932 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbb y4ccc w933 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd w4e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,313,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbc y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbd y4ccd w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb95 y4ccd w481 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _2\"></span>493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbe y4ccd w935 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,337<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>421<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 w936 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc0 y4cc2 w937 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(344,445)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc1 y4cc2 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98f y4cc3 w366 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(534<span class=\"_ _2\"></span>,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc3 y4cc3 w939 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">608,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc4 y4cc3 w93a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,721)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc5 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc6 y4cce w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,557)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc7 y4cce w93c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(167<span class=\"_ _5\"></span>,897)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc8 y4cce w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">289<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc9 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 w93d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>992)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcb y4cc4 w93e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcc y4cc4 w93f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64<span class=\"_ _2\"></span>,593)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcd y4cc4 w940 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,241)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdce y4cc4 w941 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,537<span class=\"_ _d\"></span>,062)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdcf y4cbf w468 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd0 y4cbf w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cd y4cbf w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4cbf w944 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd2 y4ccf w945 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd3 y4ccf w946 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(8<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4ccf w947 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,515)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd5 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd6 y4ccf w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24,683)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd7 y4a9a w949 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(86,830)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd8 y4a9a w94a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _0\"></span>100<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd9 y4a9a w6d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,319)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdda y4a9a w94b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(61<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddb y4a9a w2d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,859)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddc y4a9b w94c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _2\"></span>406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddd y4a9b w9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdde y4a9b w94d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xddf y4a9b w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde0 y4a9b w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,019<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4c0c w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4c0c w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4c0c w94f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdea y4c95 w902 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,540)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdeb y4c95 w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdec y4c95 w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(163)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xded y4c95 w918 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,7<span class=\"_ _0\"></span>83)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa0 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdee y4aa0 w955 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdef y4aa0 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf0 y4aa0 w914 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>2<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf1 y4aa0 w957 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf2 y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x76d y4ade w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7f y4adf w959 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf3 y4adf w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4adf w7c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c y4adf w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,996<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf5 y4adf w1d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,599<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4e y4aa3 w795 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4f y4aa3 w796 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb50 y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w95c h128\" id=\"_d9846a58-07a7-4cae-9a9e-0559c5e52d28\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4cd1 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4cd1 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4cd1 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4cd1 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf9 y4cd1 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cd2 w962 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfb y4cd2 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfc y4cd2 w964 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfd y4cd2 w8df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfe y4cd2 w965 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>918<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdff y4cbc w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b6 y4cbc w966 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe00 y4cbc w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe01 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe02 y4cc7 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,429)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe03 y4cc7 w967 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe04 y4cc7 w93f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,6<span class=\"_ _2\"></span>46)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 w968 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6<span class=\"_ _0\"></span>1,4<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4cc8 w969 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(37<span class=\"_ _d\"></span>,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4cc8 w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,290<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,821)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe07 y4cc3 w96b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe08 y4cc3 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,501<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe09 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4cc3 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,489<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 w96d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>41,829<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0b y4cb0 w96e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,884)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0c y4cb0 w96f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,047)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0d y4cb0 w970 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,763<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0e y4cb0 w971 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92,523)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cc4 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe10 y4cc4 w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">156<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe11 y4cc4 w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe12 y4cc4 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe13 y4cbf w973 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe14 y4cbf w727 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4cbf w974 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe16 y4cbf w975 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe17 y4cbf w7fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,561)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4cb3 w976 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>191)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe19 y4cb3 w977 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(6<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1a y4cb3 w2cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>63)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1b y4cb3 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1c y4cb3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,0<span class=\"_ _0\"></span>77)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w978 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1e y4a9a w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,34<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1f y4a9a w979 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4a9a w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9a wc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _0\"></span>720<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe22 y4a9b w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,449)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe23 y4a9b w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(9<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe24 y4a9b w97b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe25 y4a9b w97c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe26 y4a9b w97d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde1 y4a9c w805 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(171,<span class=\"_ _d\"></span>142)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde2 y4a9c w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,431)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde3 y4a9c w94f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(175,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde4 y4a9d w950 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde5 y4a9d w951 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde6 y4a9d w952 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde7 y4a9e w6a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde8 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xde9 y4a9e w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f w97e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe28 y4a9f w97f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe29 y4a9f w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(201)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2b y4a9f w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(<span class=\"_ _2\"></span>248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa0 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2c y4aa0 w60c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2d y4aa0 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2e y4aa0 w983 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba0 y4aa0 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2f y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe30 y4b45 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe31 y4adf w984 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe32 y4adf w5f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe33 y4adf w985 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>6,<span class=\"_ _0\"></span>902<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8f y4adf w986 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe34 y4adf w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134,396<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9c y4aa3 w7c9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9d y4aa3 w654 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe35 y4aa3 w988 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe36 y4aa3 w989 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe37 y4aa3 w7cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w98a h12d\" id=\"_98cd836a-1e9e-46d4-aa71-12892845329f\"><tr><td class=\"c n x1ca y4ce1 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4ce1 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4ce1 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4ce1 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4ce1 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4ce1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce2 w828 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4ce2 w98b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4ce2 w98c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3a y4ce2 w98d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ce2 w17d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3c y4ce2 w73b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba1 y4cc3 w98e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122<span class=\"_ _2\"></span>,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3d y4cc3 w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3e y4cc3 w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5e y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8e0 y4cc3 w98f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">122,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbec y4cb0 w990 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3f y4cb0 w991 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _5\"></span>,4<span class=\"_ _2\"></span>60)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd12 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe41 y4cb1 w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,040<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe42 y4cb1 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,6<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe43 y4cb1 w7b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,602)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cb1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe44 y4cbf w993 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,251)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe45 y4cbf w994 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,75<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe46 y4cbf w995 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe47 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe48 y4cb3 w996 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,603)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa09 y4cb3 w997 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>938)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe49 y4cb3 w998 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>,05<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cb3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4a y4cb3 w999 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,595)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4b y4cb4 w99a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4d y4cb4 w99b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(45<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4e y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4f y4cb4 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe50 y4a9b w99d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe51 y4a9b w7e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4a9b w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe53 y4a9b w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe54 y4a9c w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,461)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe55 y4a9c w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe56 y4a9c w9a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe57 y4a9c w9a1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">748<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4cb6 w721 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4a9f w69a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4a9f w8ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa0 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa0 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5e y4aa0 w7f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5f y4aa0 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe60 y4aa0 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\"><span class=\"ff2\">1</span>6<span class=\"_ _2\"></span>4,554<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4b45 w9a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe63 y4b46 w9a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe64 y4b46 w6f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe65 y4b46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe67 y4b46 w9a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe68 y4aa3 w806 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d y4aa3 w9a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">164,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w9a8 h12e\" id=\"_77ea960e-6634-4680-927e-3093b9c01e6d\"><tr><td class=\"c n x1ca y4ce3 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce3 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce3 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce3 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce3 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce3 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce4 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4ce4 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4ce4 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4ce4 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4ce4 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4ce4 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1a y4cc4 w113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">27<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6d y4cc4 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1f y4cbf w9ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(1<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6e y4cbf w6c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6f y4cbf w5c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x94e y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe70 y4ccf w9af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe71 y4ccf w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe72 y4ccf w942 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe74 y4a9a w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe75 y4a9a w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe76 y4a9a w9b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(3<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe77 y4a9a w9b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(5<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4a9b w9b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ad y4a9b w1bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(8<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf0 y4a9b w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe79 y4a9b w9b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>79<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4c0c w9b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7b y4c0c w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7c y4c0c w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7d y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7e y4c0c w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,025<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe59 y4a9d w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(635)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5a y4a9e w9a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5b y4a9e w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5c y4c95 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe5d y4c95 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa0 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x225 y4aa0 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc18 y4aa0 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4aa0 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe80 y4aa0 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe61 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4ade w9a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,337<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe81 y4adf w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe82 y4adf w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe83 y4adf w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe84 y4adf w9b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc17 y4aa3 w817 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe85 y4aa3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe86 y4aa3 w818 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe87 y4aa3 w9b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h123\" id=\"_3460ea70-5895-4514-9d3d-813b15de55ed\"><tr><td class=\"c n x1ca y4caa w646 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97e y4caa w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x97f y4caa w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x980 y4caa w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x981 y4caa w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x982 y4caa w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cab w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4cab w9bb hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">4,491,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe88 y4cab w9bc hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">382,<span class=\"_ _0\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe89 y4cab w9bd hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">241,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8a y4cab w508 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8b y4cab w527 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>123,393<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4cdc w9be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,357<span class=\"_ _d\"></span>,093<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8c y4cdc w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8d y4cdc w9bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4cdc w9c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8f y4cdc w16c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,405,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x98d y4cad w9c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe90 y4cad w9c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(229,399<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe91 y4cad w850 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,888)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cad wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cae w9c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(373,532)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe93 y4cae w9c4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">394,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf4 y4cae w9c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,021)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd50 y4cae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa46 y4cc3 w9c6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe94 y4cc3 w9c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52<span class=\"_ _2\"></span>,529)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe95 y4cc3 w47f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w65f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cb0 w9c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe98 y4cb0 w9c9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,04<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe99 y4cb0 w9ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(12<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cb0 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9a y4cb0 w9cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(30,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cb1 w9cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,479<span class=\"_ _d\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9c y4cb1 w9cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(159<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9d y4cb1 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(102,689)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9e y4cb1 w9cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(14<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9f y4cb1 w9d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,7<span class=\"_ _0\"></span>41,371)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5c y4cbf w9d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _0\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea0 y4cbf w9d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea1 y4cbf w9d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>164<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea2 y4cbf w9d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">146,856<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea3 y4cb3 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea4 y4cb3 w3ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa64 y4cb3 w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea5 y4cb3 w71b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(22)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea6 y4cb3 w9d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea7 y4cb4 w9d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(361,<span class=\"_ _0\"></span>065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea8 y4cb4 w9d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea9 y4cb4 w580 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,555)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaa y4cb4 w9d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeab y4cb4 w9d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(398,796<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x745 y4a9b w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeac y4a9b w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(806)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xead y4a9b w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa65 y4a9b w9db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeae y4a9b w5b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc76 y4a9f w9e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,742)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb6 y4a9f w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(358)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb7 y4a9f w9e2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(8<span class=\"_ _2\"></span>66)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb8 y4a9f w9e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>966)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa0 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa0 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeba y4aa0 w9e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebb y4aa0 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebc y4aa0 w9e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebd y4b45 w9e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">203,431<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebe y4b45 w9e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4b45 w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>997<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec0 y4b46 w9eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec1 y4b46 w9ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec2 y4b46 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec3 y4b46 w9ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,44<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec4 y4b46 w5d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,3<span class=\"_ _2\"></span>41,<span class=\"_ _d\"></span>187<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec6 y4aa3 w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec7 y4aa3 w9f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,<span class=\"_ _0\"></span>184<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w705 h12b\" id=\"_1c2c0fa8-2c38-4d89-92fd-04a5db645e7f\"><tr><td class=\"c n x1ca y4cdd w695 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d1 y4cdd w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d2 y4cdd w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d3 y4cdd w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d4 y4cdd w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d5 y4cdd w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb9 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec8 y4cb9 w116 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec9 y4cb9 w1d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cb9 w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,572<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4cb9 w9f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc79 y4cb9 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">178,556<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cba w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cba w308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,591<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4cba w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xece y4cba w730 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4ce y4cba w9f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecf y4cba w754 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,357<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x814 y4cd2 w9f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed0 y4cd2 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed1 y4cd2 w9f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe97 y4cd2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd85 y4cbc w9f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>904)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed2 y4cbc w9f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed3 y4cbc w9fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x994 y4cbd w9fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,769)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed4 y4cbd w673 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(374)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed5 y4cbd w9fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc23 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cde ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cae w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed6 y4cae w9fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed7 y4cae w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed8 y4cae w9fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xed9 y4cae wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeda y4cae w9ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">2<span class=\"_ _39\"></span>,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w65f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets derec<span class=\"_ _0\"></span>ognised due to pass-through arr<span class=\"_ _0\"></span>angement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedb y4cc3 w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedc y4cc3 wa00 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedd y4cc3 wa01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4cc3 wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xedf y4cb0 w4c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,412)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee0 y4cb0 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,694<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee1 y4cb0 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _0\"></span>,3<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee2 y4cb0 wa04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cb0 w743 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(80,552)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0f y4cb1 wa05 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee4 y4cb1 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4cb1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee6 y4cb1 w255 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee7 y4cbf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee8 y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeea y4cbf wa06 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(1<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeeb y4cbf w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd24 y4cb3 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(942)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeec y4cb3 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeed y4cb3 wa07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,25<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeee y4cb3 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeef y4cb3 wa08 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,327)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4cb4 w51c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,543)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef1 y4cb4 w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef2 y4cb4 wa09 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,578<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef3 y4cb4 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef4 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>,16<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef5 y4a9b wa0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,353)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef6 y4a9b wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>188)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef7 y4a9b wa0c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(46,<span class=\"_ _0\"></span>706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4a9b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef9 y4a9b wa0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(64,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeaf y4a9c w4f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb0 y4a9c w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb1 y4cb6 w9dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb2 y4cb6 w9de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb3 y4cb6 wb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb4 y4a9e w9df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,95<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae4 y4a9e w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb5 y4a9e w9e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb37 y4a9f wa0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(132)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefa y4a9f wa0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb85 y4a9f wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(382)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefb y4a9f w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa0 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefc y4aa0 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4aa0 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefe y4aa0 w85c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeff y4aa0 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2b8 y4b45 w5a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">126,724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf00 y4b45 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,837<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf01 y4b45 wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _0\"></span>,561<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf02 y4b46 w74c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf03 y4b46 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf04 y4b46 w7af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf05 y4b46 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf06 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,654<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc88 y4aa3 w85a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4aa3 w85b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf07 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc5 y4aa3 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf08 y4aa3 w85d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">159,215<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w815 h127\" id=\"_a0901027-9ce5-4756-99d4-1903061a0cbd\"><tr><td class=\"c n x1ca y4ccb w6d1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4ccb w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4ccb w6d3 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4ccb w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4ccb w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9cc y4ccc wa13 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,287<span class=\"_ _d\"></span>,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf09 y4ccc wa14 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">314,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0a y4ccc wa15 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">168,476<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0b y4ccc wa16 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">25,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0c y4ccc wa17 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,796,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x988 y4ccd wa18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,549<span class=\"_ _0\"></span>,472<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0d y4ccd wa19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0e y4ccd w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc5a y4ccd wa1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf0f y4ccd w1e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,563,<span class=\"_ _2\"></span>428<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdbf y4cc2 wa1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,840<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf10 y4cc2 wa1c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(407<span class=\"_ _5\"></span>,795)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf11 y4cc2 wa1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,045)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf12 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 wa1e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(34<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf13 y4cc3 wa1f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">588,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf14 y4cc3 wa20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(243,659<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd88 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf15 y4cce wa21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(158,425)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf16 y4cce wa22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _d\"></span>,954<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf17 y4cce w5dd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf18 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf19 y4cc4 w1d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>975,730<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1a y4cc4 wa23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(94,<span class=\"_ _d\"></span>131)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeca y4cc4 w805 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,5<span class=\"_ _2\"></span>44)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4cc4 wa24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,287)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4cc4 wa25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>152,692)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1c y4cbf w70b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1d y4cbf wa26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1e y4cbf wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa4f y4ccf wa28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">988<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1f y4ccf wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">670<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf21 y4ccf wa10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(283)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf22 y4ccf w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf23 y4a9a wa2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(155,<span class=\"_ _0\"></span>793)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf24 y4a9a wa2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,366<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf25 y4a9a wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4a9a wa2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,6<span class=\"_ _2\"></span>48)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7bb y4a9a wa2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(178,045)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae6 y4a9b wa2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf27 y4a9b w385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,472)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf28 y4a9b w12c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf29 y4a9b wa30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">300<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2a y4a9b w9fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,212)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4c0c wa31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4c0c w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4c0c w648 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9d w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9d wa32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9d w6bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9e w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9e w5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9e w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf32 y4c95 wa33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>910)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf33 y4c95 wa34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf34 y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4c95 w726 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf35 y4c95 w877 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>955)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa0 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa0 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa0 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa0 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd0 y4aa0 w88c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,022,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf36 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf37 y4ade wa35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf38 y4adf wa36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,629<span class=\"_ _0\"></span>,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf39 y4adf wa37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">259<span class=\"_ _0\"></span>,97<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3a y4adf wa38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,237<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3b y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3c y4adf wa39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,021,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w889 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">2<span class=\"_ _39\"></span>59,9<span class=\"_ _39\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcce y4aa3 w88a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccf y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3d y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa3b h12c\" id=\"_01ad466d-aeff-4ae8-ac82-a0182ce7153c\"><tr><td class=\"c n x1ca y4cdf w706 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa78 y4cdf w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa79 y4cdf w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7a y4cdf w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7b y4cdf w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa7c y4cdf w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3e y4cc6 wa3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3f y4cc6 wa3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf40 y4cc6 wa3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf41 y4cc6 wa3f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf42 y4cc6 wa40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">48,609<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdfa y4cbc wa41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>065<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf43 y4cbc w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4cbc w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf45 y4cbc wa42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf46 y4cbc wa43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>959<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbd w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf47 y4cbd w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf48 y4cbd wa44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf49 y4cbd wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,788)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x993 y4cbd wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4a y4cc8 wa46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,679<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4b y4cc8 wa4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,641<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4c y4cc8 w526 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,<span class=\"_ _d\"></span>962)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4d y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4e y4cc9 wa47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf4f y4cc9 wa48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,725)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf50 y4cc9 w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4cc9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce0 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cb0 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc9b y4cb0 w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,562)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf52 y4cb0 w63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37<span class=\"_ _d\"></span>,935)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf53 y4cb0 wa49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cb0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf55 y4cb0 wa4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,083)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf56 y4cb1 wa4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,621)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf57 y4cb1 w454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,674)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf58 y4cb1 wa4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>902)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf59 y4cb1 w82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5a y4cb1 wa4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>960)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb9 y4cbf w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5b y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5d y4cbf wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5e y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5f y4cb3 wa29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf60 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf61 y4cb3 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf62 y4cb4 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(470)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf63 y4cb4 wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf64 y4cb4 w577 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,732)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf65 y4cb4 w12c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(409)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf66 y4cb4 w7b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,510)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef0 y4a9b w902 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,545)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf67 y4a9b w41f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>943<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x617 y4a9b wa50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf68 y4a9b w591 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf69 y4a9b w49e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,051<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6b y4a9c w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,607)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x761 y4a9c w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,684)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6c y4a9c wa52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6d y4a9c wa53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,719)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4cb6 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,750)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2b y4cb6 w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(561)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2c y4cb6 w648 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,311)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb73 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">993<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2d y4a9e wa32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2e y4a9e w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>198<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf2f y4a9f w78f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf30 y4a9f w5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf31 y4a9f w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">261<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4ca8 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0a y4ca8 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6e y4ca8 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6f y4ca8 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf70 y4ca8 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf71 y4b45 w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa44 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf72 y4b45 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf73 y4b46 wa56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf74 y4b46 wa57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf75 y4b46 w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf76 y4b46 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4b46 w481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,<span class=\"_ _0\"></span>031<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd09 y4aa3 w8b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">9<span class=\"_ _0\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf77 y4aa3 w8b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf78 y4aa3 wa54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf79 y4aa3 w8af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7a y4aa3 w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,038<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa58 h127\" id=\"_d4da73fc-98d5-4872-b297-c44ba386f538\"><tr><td class=\"c n x1ca y4ccb w737 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabc y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabd y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabe y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xabf y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac0 y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7b y4ccc wa59 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2,649<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7c y4ccc wa5a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">439,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7d y4ccc wa5b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls6b ws9f\">1<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7e y4ccc wa5c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,471<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf7f y4ccc wa5d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,269<span class=\"_ _0\"></span>,454<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd41 y4ccd wa5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,303,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf80 y4ccd w1ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf81 y4ccd wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf82 y4ccd w934 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,599<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf83 y4ccd wa60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,330,293<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf84 y4cc2 wa61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">384,411<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf85 y4cc2 wa62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(377<span class=\"_ _d\"></span>,752)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf86 y4cc2 wa63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,659)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4e y4cc3 w5c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(571,845)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf87 y4cc3 wa64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">678,669<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf88 y4cc3 w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(106,824)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8a y4cce w9ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(108,524)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8b y4cce wa65 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,029<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8c y4cce wa66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,553<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe9b y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>987<span class=\"_ _d\"></span>,068)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8d y4cc4 w8b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(282,<span class=\"_ _0\"></span>948)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8e y4cc4 w7d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>106)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf8f y4cc4 wa68 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">(<span class=\"_ _0\"></span>4,<span class=\"_ _0\"></span>718)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf90 y4cc4 wa69 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,370,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad9 y4cbf wa6a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(247<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>911)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf91 y4cbf wa6b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,492)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf92 y4cbf wa6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,790<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf93 y4cbf wa6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf94 y4cbf wa6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(291,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce7 y4ccf w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">319<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf95 y4ccf w71f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf96 y4ccf w784 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,384<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf97 y4ccf w97f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4ccf w80b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,866)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf98 y4a9a wa6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180,781)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf99 y4a9a w88a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9a y4a9a w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>9,9<span class=\"_ _39\"></span>1<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9b y4a9a w788 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(271)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9c y4a9a wa70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(218,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd61 y4a9b w5eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9d y4a9b w6a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>777)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2d y4a9b w11d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9e y4a9b wa71 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf9f y4a9b wa72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4c0c wa73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4c0c w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4c0c wa74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae1 y4c95 wa78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,49<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa8 y4c95 wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa9 y4c95 w6a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(386)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaa y4c95 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfab y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,351)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa0 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa0 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa0 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xef8 y4aa0 wa7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfae y4aa0 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfaf y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb0 y4ade wa7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb1 y4adf wa7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _d\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb2 y4adf wa7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb3 y4adf w125 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb4 y4adf wa7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb5 y4adf wa80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>08,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb6 y4aa3 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,<span class=\"_ _2\"></span>499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb7 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4aa3 w8dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wa58 h128\" id=\"_2c896681-e843-4645-8781-b6cfe6e87d82\"><tr><td class=\"c n x1ca y4cd0 w769 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa30 y4cd0 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa31 y4cd0 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa32 y4cd0 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa33 y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa34 y4cd0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb9 y4cd1 wa81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>157<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfba y4cd1 wa82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbb y4cd1 w1c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">55,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbc y4cd1 wa83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4cd1 wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecc y4cd2 wa85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,47<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbd y4cd2 w1b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd7f y4cd2 wdc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbe y4cd2 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4cd2 wa86 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,453<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc0 y4cbc w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc1 y4cbc wa87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,84<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4cbc w944 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc3 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc4 y4cc7 wa88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc5 y4cc7 wa89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc6 y4cc7 w5dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,625)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcdb y4cc8 wa8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>914)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc7 y4cc8 wa8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>459)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4cc8 wa8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,373<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91f y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb0 y4cc3 wa8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,218)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc9 y4cc3 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfca y4cc3 w7ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf54 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcb y4cc3 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcc y4cb0 wa8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,879<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcd y4cb0 wa90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,632)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfce y4cb0 wa91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,573)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfcf y4cb0 wa92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(96<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd0 y4cb0 wa93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,052)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4cc4 wa94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,280<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd2 y4cc4 wa95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(476)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd3 y4cc4 w280 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd4 y4cc4 wa96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>938)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1f y4cbf w77d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd5 y4cbf wa97 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x903 y4cbf wa98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd6 y4cbf w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd7 y4cbf wa99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>184)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd8 y4cb3 wa9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,020<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd9 y4cb3 w6e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(184)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfda y4cb3 w8d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,826)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdb y4cb3 w9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(79)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdc y4cb3 wa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>109)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda1 y4a9a wa9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdd y4a9a wa9c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfde y4a9a w72a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfdf y4a9a w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4a9a w776 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,299)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7a y4a9b wa9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe1 y4a9b wa9e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>981)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe2 y4a9b wa9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe3 y4a9b w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(435)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe4 y4a9b w3d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>40)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe15 y4a9c wa73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>195)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa0 y4a9c w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(214)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa1 y4a9c wa74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40,409)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa2 y4a9d w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa3 y4a9d w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa4 y4a9d wa75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,314<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa5 y4a9e wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa6 y4a9e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfa7 y4a9e wa77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">288<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(62<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe5 y4a9f waa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe6 y4a9f waa2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe8 y4a9f w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(36<span class=\"_ _39\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa0 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa0 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfea y4aa0 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfeb y4aa0 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfec y4aa0 waa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74,<span class=\"_ _39\"></span>44<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfed y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfee y4b45 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,613<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2b y4adf waa6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfef y4adf w85c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4adf waa7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,9<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4adf w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff2 y4adf waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd78 y4aa3 w906 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,177<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe9 y4aa3 w907 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff3 y4aa3 waa9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff4 y4aa3 waa3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x62c y4aa3 waaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>,4<span class=\"_ _39\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s waab h127\" id=\"_8ca889fc-cd2e-49c9-84f9-ae9f63dc2855\"><tr><td class=\"c n x1ca y4ccb w792 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb47 y4ccb w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb48 y4ccb w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb49 y4ccb w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4a y4ccb w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4b y4ccb w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccc w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff5 y4ccc waac hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>904<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff6 y4ccc waad hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">194,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff7 y4ccc waae hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">100,<span class=\"_ _d\"></span>950<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff8 y4ccc waaf hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff9 y4ccc wab0 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,208,013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccd w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffa y4ccd wab1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,7<span class=\"_ _0\"></span>47<span class=\"_ _d\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffb y4ccd wab2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffc y4ccd wab3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffd y4ccd wab4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffe y4ccd wab5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,775,280<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc2 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c7 y4cc2 wab6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270<span class=\"_ _0\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfff y4cc2 wab7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>10)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6e y4cc2 wab8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,710)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4cc2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5b y4cc3 wab9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(367<span class=\"_ _d\"></span>,600)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1000 y4cc3 waba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">489,<span class=\"_ _0\"></span>718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcee y4cc3 wabb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(122,<span class=\"_ _d\"></span>118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4cc3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1002 y4cce wabc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(134<span class=\"_ _2\"></span>,641)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1003 y4cce wabd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,558)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1004 y4cce wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">258,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdca y4cc4 wabf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,849<span class=\"_ _0\"></span>,334)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3f y4cc4 wac0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(100,322)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1005 y4cc4 wac1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(65,39<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4cc4 w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1007 y4cc4 wa67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,347)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1008 y4cbf wac2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1009 y4cbf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100a y4cbf wac4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100b y4cbf w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100c y4cbf wac5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,647<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w66d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6c y4ccf w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100d y4ccf wec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100e y4ccf wac6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,482)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x100f y4ccf wac7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1010 y4ccf w766 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,200)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1011 y4a9a w496 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,792)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1012 y4a9a wac8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,590<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1013 y4a9a wac9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(688)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1014 y4a9a waca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(223)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1015 y4a9a w51c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(54,293)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1016 y4a9b wacb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1017 y4a9b w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(215)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff0 y4a9b wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1018 y4a9b wacd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(373)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1019 y4a9b w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4c0c wace hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4c0c wacf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4c0c wad0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1022 y4c95 wad2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6,0<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1023 y4c95 w99e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1024 y4c95 wad3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(68<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1025 y4c95 wad4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>195)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa0 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb8 y4aa0 w931 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb9 y4aa0 w618 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1026 y4aa0 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1027 y4aa0 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w68d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1028 y4ade w95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1029 y4ade wad6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb92 y4adf wad7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7b8 y4adf wad8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102a y4adf wad9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102b y4adf wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _d\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102c y4adf wadb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>979<span class=\"_ _0\"></span>,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4aa3 w2ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1030 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wade h128\" id=\"_80a5f9a8-3b51-43af-b7f2-825903d84df8\"><tr><td class=\"c n x1ca y4cd0 w7c8 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb97 y4cd0 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4cd0 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4cd0 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4cd0 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4cd0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd1 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1031 y4cd1 w596 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,597<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1032 y4cd1 wadf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1033 y4cd1 wae0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">46,6<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1034 y4cd1 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1035 y4cd1 w509 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">113,801<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd2 w651 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cd2 wae2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,4<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda2 y4cd2 wae3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,570<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1037 y4cd2 w491 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1038 y4cd2 w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1039 y4cd2 w9d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">155,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbc w655 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4cbc w14e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103b y4cbc wae4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,256<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103c y4cbc wae5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,695)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc05 y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9eb y4cbc wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc7 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xba8 y4cc7 wae6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,684<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103d y4cc7 wae7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103e y4cc7 wae8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">(48,4<span class=\"_ _0\"></span>64)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4cc7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc8 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbac y4cc8 wae9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,627)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103f y4cc8 waea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>176)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1040 y4cc8 waeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4cc8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4cd3 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4cc3 w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1041 y4cc3 waec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,239)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1042 y4cc3 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>40,279)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1043 y4cc3 waee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1044 y4cc3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1045 y4cc3 w963 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f6 y4cb0 waef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1046 y4cb0 w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,239<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1047 y4cb0 w9cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(36,001)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1048 y4cb0 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(<span class=\"_ _2\"></span>1,<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1049 y4cb0 waf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(96,<span class=\"_ _d\"></span>126)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104a y4cc4 waf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104b y4cc4 w1e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104c y4cc4 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4cc4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104d y4cc4 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">813<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w66d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impact of modifications<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104e y4cbf w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x104f y4cbf w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4cbf waf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,036<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4cbf w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1051 y4cbf w709 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>034)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w671 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcb2 y4cb3 waf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(153)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1052 y4cb3 waf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(37)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1053 y4cb3 w716 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1054 y4cb3 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1055 y4cb3 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(862)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1d y4a9a w6e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _5\"></span>,338)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1056 y4a9a waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1057 y4a9a waf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,<span class=\"_ _0\"></span>779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4a9a wa76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1059 y4a9a waf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,433<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x883 y4a9b waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,49<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105a y4a9b wafa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>120)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf5 y4a9b wafb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105b y4a9b w4ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105c y4a9b w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,214<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101a y4a9c wace hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,832)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101b y4a9c wacf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(41<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101c y4a9c wad0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc70 y4a9d w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,405<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101d y4a9d w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101e y4a9d w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x101f y4a9e w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1020 y4a9e w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1021 y4a9e wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">742<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe27 y4a9f wafc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105d y4a9f wafd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105e y4a9f wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(15<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x105f y4a9f waff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa0 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4aa0 wb00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1061 y4aa0 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1062 y4aa0 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1063 y4aa0 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w68d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individually assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1064 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1065 y4b45 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">585<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1066 y4adf wb01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1067 y4adf wb02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1068 y4adf wb03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1069 y4adf wb04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106a y4adf wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,450<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf6 y4aa3 w95d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf7 y4aa3 w95e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,410<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4aa3 w95f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">58,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf8 y4aa3 w960 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106b y4aa3 w961 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">136,035<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb05 h129\" id=\"_fd3a1cf7-7827-459f-9daf-e8fccb20802f\"><tr><td class=\"c n x1ca y4cd4 w7f4 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, gross:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbde y4cd4 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbdf y4cd4 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe0 y4cd4 w649 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe1 y4cd4 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe2 y4cd4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd5 w9ba hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106c y4cd5 w982 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>,775<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106d y4cd5 wb06 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4cd5 wae3 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">1,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4cd5 w18c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106e y4cd5 wb07 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">103,384<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cce w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1036 y4cce wb08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x106f y4cce wb09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1070 y4cce w6f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc34 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1071 y4cce w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>1,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1072 y4cc4 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1073 y4cc4 wb0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>148)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1074 y4cc4 w9da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(408)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w658 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1076 y4cbf wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,<span class=\"_ _0\"></span>129)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1077 y4cbf w4b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,266<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1078 y4cbf wb0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>137)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb5e y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w65b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc52 y4ccf wb0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,856<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1079 y4ccf w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,531)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107a y4ccf wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe7 y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacd y4ccf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107b y4a9a wb0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(123,<span class=\"_ _d\"></span>964)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107c y4a9a wb0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,222)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107d y4a9a wb10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,0<span class=\"_ _0\"></span>71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107f y4a9a wfc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(133,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a3 y4a9b w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1080 y4a9b wb11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1081 y4a9b w954 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1082 y4a9b wb12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,211<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w671 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign exchange mo<span class=\"_ _0\"></span>vement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1083 y4c0c w9b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(18<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1084 y4c0c w723 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1085 y4c0c wafd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1086 y4c0c w871 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w676 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other changes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1087 y4a9d w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1088 y4a9d w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1089 y4a9d w3ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82a y4a9d w7ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">823<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c97 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4c97 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4c97 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4c97 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c97 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1090 y4c97 wb16 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1091 y4adf wb17 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x889 y4adf wb18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1092 y4adf wb19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbea y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1093 y4adf wb1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1094 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1095 y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb1b h12f\" id=\"_5c6093e1-b088-488f-9d07-cb678feebe1f\"><tr><td class=\"c n x1ca y4ce5 w816 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost, ECL:<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc12 y4ce5 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4ce5 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc14 y4ce5 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc15 y4ce5 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc16 y4ce5 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce6 w9ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1097 y4ce6 wb1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1098 y4ce6 wb1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1099 y4ce6 wb1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109a y4ce6 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109b y4ce6 wb1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc9 w651 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">New financial asset originat<span class=\"_ _0\"></span>ed or purchased<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109c y4cc9 wb20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">497<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109d y4cc9 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0f y4cc9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109e y4cc9 w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce7 w655 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x109f y4ce7 wb21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a0 y4ce7 wb22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a1 y4ce7 wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x941 y4ce7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ce8 w658 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a2 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a3 y4ce8 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a4 y4ce8 w6fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a5 y4ce8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cd9 w65b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfer<span class=\"_ _0\"></span> to Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc24 y4cd9 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a6 y4cd9 wb24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4cd9 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8aa y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x908 y4cd9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ce9 ff2 fs8 fc1 sc0 ls0 ws0\">Impact on ECL of<span class=\"_ _0\"></span> exposures <span class=\"_ _0\"></span>transferr<span class=\"_ _0\"></span>ed between stages </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ccf w6a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a8 y4ccf waa0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a9 y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10aa y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ab y4ccf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ac y4ccf wb25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w663 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets repaid<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ad y4a9a wb26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(177)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ae y4a9a w9ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10af y4a9a w91d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(2<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4a9a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b0 y4a9a wa02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(228)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w669 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Resegmentation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b1 y4a9b w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b2 y4a9b wb27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b3 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b4 y4a9b wb28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c w6b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other measur<span class=\"_ _0\"></span>ement of ECL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe78 y4c0c wb29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b5 y4c0c wb2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(281)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b6 y4c0c wb2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">4<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b7 y4c0c wb2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>102<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w6bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Income statement (r<span class=\"_ _0\"></span>eleases)/<span class=\"_ _d\"></span>charges<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4a9d wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b8 y4a9d wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5e ws8e\">(5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10b9 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">320<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ba y4a9d w174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,098<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe58 y4a9e w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108a y4a9e w214 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(253)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w67c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Recov<span class=\"_ _0\"></span>eries of amounts pre<span class=\"_ _0\"></span>viously written o<span class=\"_ _0\"></span>ff<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x796 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b9 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108b y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4c95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108c y4c95 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w680 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Unwind of discoun<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108d y4c96 wb13 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108e y4c96 wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4b3b w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4b3b w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4b3b w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4b3b w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4b3b w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w68f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Collectively<span class=\"_ _0\"></span> assessed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa86 y4adf w43f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bb y4adf w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bc y4adf wb2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9a6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10bd y4adf wb2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,0<span class=\"_ _0\"></span>75<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe69 y4aa3 w9a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6a y4aa3 w9aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6b y4aa3 w9ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe6c y4aa3 w9ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">2<span class=\"_ _2\"></span>,075<span class=\"_ _3e0\"> </span></div></td></tr></table>The contr<span class=\"_ _0\"></span>actual amounts outstanding on all loans to customers that hav<span class=\"_ _0\"></span>e been written off during <span class=\"_ _0\"></span>the reporting period but are still subject to enf<span class=\"_ _0\"></span>orcement activity<span class=\"_ _0\"></span> was GEL 138,<span class=\"_ _d\"></span>972 (2022: GEL 188,545, 2021: GEL<span class=\"_ _0\"></span> 95,469).<span class=\"_ _3e0\"> </span>Collater<span class=\"_ _0\"></span>al and other credit enhanc<span class=\"_ _0\"></span>ements The amount and type of collater<span class=\"_ _0\"></span>al requir<span class=\"_ _0\"></span>ed depends on an assessment of the cr<span class=\"_ _0\"></span>edit risk of the count<span class=\"_ _0\"></span>erpart<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>. Guidelines are implemented regar<span class=\"_ _0\"></span>ding the accept<span class=\"_ _0\"></span>ability of types of collater<span class=\"_ _0\"></span>al and valuation par<span class=\"_ _0\"></span>ameters.<span class=\"_ _3e0\"> </span>The main types of collater<span class=\"_ _0\"></span>al obtained are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>For commer<span class=\"_ _0\"></span>cial lending, charges over<span class=\"_ _0\"></span> real estate pr<span class=\"_ _0\"></span>operties, equipment and machiner<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, corporate shares, in<span class=\"_ _0\"></span>ventory<span class=\"_ _0\"></span>, trade receiv<span class=\"_ _0\"></span>ables, third-party corpor<span class=\"_ _0\"></span>ate guarantees and per<span class=\"_ _0\"></span>sonal guarantees of shar<span class=\"_ _0\"></span>eholders.<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>For r<span class=\"_ _0\"></span>etail lending, mortgages over r<span class=\"_ _0\"></span>esidential properties, cars, gold and jewellery<span class=\"_ _d\"></span>, third-party corpor<span class=\"_ _0\"></span>ate guarant<span class=\"_ _0\"></span>ees and personal guarantees o<span class=\"_ _0\"></span>f shareholders.<span class=\"_ _3e0\"> </span>Management requests additional c<span class=\"_ _0\"></span>ollateral in accor<span class=\"_ _0\"></span>dance with the underlying agr<span class=\"_ _0\"></span>eement and monitors the mark<span class=\"_ _0\"></span>et value of collateral ob<span class=\"_ _0\"></span>tained during its review<span class=\"_ _0\"></span> of the adequacy of<span class=\"_ _0\"></span> the allowance f<span class=\"_ _0\"></span>or expected cr<span class=\"_ _0\"></span>edit loss/impairment of loans.<span class=\"_ _3e0\"> </span>It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy t<span class=\"_ _0\"></span>o dispose of repossessed pr<span class=\"_ _0\"></span>operties in an orderly <span class=\"_ _0\"></span>fashion or to hold <span class=\"_ _0\"></span>them for c<span class=\"_ _0\"></span>apital appreciation or earning rentals, as appr<span class=\"_ _0\"></span>opriate in each case. In gener<span class=\"_ _0\"></span>al, the Group does not oc<span class=\"_ _0\"></span>cupy r<span class=\"_ _0\"></span>epossessed properties f<span class=\"_ _0\"></span>or business use.<span class=\"_ _3e0\"> </span>Without taking into acc<span class=\"_ _0\"></span>ount the discounted <span class=\"_ _0\"></span>value of collateral, <span class=\"_ _0\"></span>the ECL f<span class=\"_ _0\"></span>or credit<span class=\"_ _0\"></span>-impaired loans would be as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wb30 h130\" id=\"_5ae3707c-b997-49f0-b23c-c9046e7da238\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cea ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4ceb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cec ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4ced ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cee ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cef ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf0 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf1 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c1 y4b42 w195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c2 y4b42 w6fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4c0f w76b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c4 y4c0f w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c5 y4b44 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,<span class=\"_ _d\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c6 y4b44 wb31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,430<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4b45 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c8 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,437<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c9 y4adf wb32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ca y4adf wb33 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,290<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce1 y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _d\"></span>,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cb y4aa3 wb35 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">436,375<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb30 h131\" id=\"_dd49b91a-c217-4c5e-b1c0-229ad16409bf\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cf2 ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cf3 ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cf4 ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cf5 ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cf6 ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cf7 ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4cf8 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4cf9 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cc y4b42 w7ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cd y4b42 wb36 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">187<span class=\"_ _d\"></span>,653<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10ce y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10cf y4c0f wb38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,53<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4b44 w2c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d1 y4b44 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,404<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d2 y4b45 wb3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,5<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b45 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,597<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d4 y4adf w69e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d5 y4adf w4ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d6 y4aa3 w9f3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">186,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d7 y4aa3 wb3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">497<span class=\"_ _5\"></span>,135<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wb30 h131\" id=\"_9fc85292-e063-4d30-b268-de018a1b0733\"><tr><td></td><td></td><td class=\"t m1 x48d h77 y4cfa ffb fs1d fc1 sc0 ls0 wse5\">ECL without </td></tr><tr><td></td><td></td><td class=\"t m1 x615 h77 y4cfb ffb fs1d fc1 sc0 ls0 ws0\">taking into </td></tr><tr><td></td><td></td><td class=\"t m1 x10be h77 y4cfc ffb fs1d fc1 sc0 ls0 wse4\">account the </td></tr><tr><td></td><td></td><td class=\"t m1 x4e1 h77 y4cfd ffb fs1d fc1 sc0 ls0 ws0\">discounted </td></tr><tr><td></td><td class=\"t m1 x10bf h77 y4cfe ffb fs1d fc1 sc0 ls0 wse4\">ECL f<span class=\"_ _0\"></span>or credit-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4d9 h77 y4cff ffb fs1d fc1 sc0 ls0 ws0\">value of </td></tr><tr><td class=\"t m1 x1c9 h77 y4d00 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10bf h77 y4d00 ffb fs1d fc1 sc0 ls0 ws0\">impaired loans<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x10c0 h77 y4d01 ffb fs1d fc1 sc0 ls0 ws0\">collateral<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b42 w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d8 y4b42 wb3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>984<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d9 y4b42 wb3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">231,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4c0f w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10db y4c0f w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4b44 wb3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dd y4b44 wb3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>929<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10de y4b45 w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10df y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,89<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e0 y4adf w1e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e1 y4adf w388 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e2 y4aa3 wb40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">257<span class=\"_ _d\"></span>,0<span class=\"_ _2\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e3 y4aa3 wb41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">556,394<span class=\"_ _3e0\"> </span></div></td></tr></table>Credit risk<span class=\"_ _0\"></span> Credit risk is <span class=\"_ _0\"></span>the risk that the Group <span class=\"_ _0\"></span>will incur a loss because its customers f<span class=\"_ _0\"></span>ail to discharge <span class=\"_ _0\"></span>their contr<span class=\"_ _0\"></span>actual obligations. The Group manages and contr<span class=\"_ _0\"></span>ols credit risk by<span class=\"_ _0\"></span> setting limits on the amount o<span class=\"_ _0\"></span>f risk it is willing to acc<span class=\"_ _0\"></span>ept for individual c<span class=\"_ _0\"></span>ounterparties and for geographical, industry<span class=\"_ _d\"></span>, product and currency<span class=\"_ _0\"></span> concentr<span class=\"_ _0\"></span>ations, and by monitoring e<span class=\"_ _0\"></span>xposures in r<span class=\"_ _0\"></span>elation to such limits. The Group has established a cr<span class=\"_ _0\"></span>edit quality r<span class=\"_ _0\"></span>eview proc<span class=\"_ _0\"></span>ess to provide an early<span class=\"_ _0\"></span> identification of possible changes in <span class=\"_ _0\"></span>the creditworthiness of c<span class=\"_ _0\"></span>ounterparties, including regular collater<span class=\"_ _0\"></span>al revisions. C<span class=\"_ _0\"></span>ounterparty limits are established b<span class=\"_ _0\"></span>y the use of<span class=\"_ _0\"></span> a credit risk classification system, <span class=\"_ _0\"></span>which assigns each counterparty a risk rating. Risk<span class=\"_ _0\"></span> ratings are subject to r<span class=\"_ _0\"></span>egular re<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>The credit quality<span class=\"_ _0\"></span> review pr<span class=\"_ _0\"></span>ocess allows the Gr<span class=\"_ _0\"></span>oup to assess the poten<span class=\"_ _0\"></span>tial loss as a result of the risks <span class=\"_ _0\"></span>to which it is exposed and tak<span class=\"_ _0\"></span>e corrective action. <span class=\"_ _0\"></span>The maximum credit e<span class=\"_ _0\"></span>xposure is limited to the c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of r<span class=\"_ _0\"></span>espective instruments and notional amounts of guarantees and c<span class=\"_ _0\"></span>ommitments provided.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Credit risk arising <span class=\"_ _0\"></span>from derivativ<span class=\"_ _0\"></span>e financial instruments is, at any<span class=\"_ _0\"></span> time, limited to <span class=\"_ _0\"></span>those with positive f<span class=\"_ _0\"></span>air values, as r<span class=\"_ _0\"></span>ecorded in the statement of <span class=\"_ _0\"></span>financial position.<span class=\"_ _3e0\"> </span>Credit-r<span class=\"_ _0\"></span>elated commitment risks<span class=\"_ _3e0\"> </span>The Group mak<span class=\"_ _0\"></span>es available to its customers guar<span class=\"_ _0\"></span>antees and letters o<span class=\"_ _0\"></span>f credit which may<span class=\"_ _0\"></span> requir<span class=\"_ _0\"></span>e that the Group mak<span class=\"_ _0\"></span>e payments on their behalf<span class=\"_ _d\"></span>. Such payments are collected f<span class=\"_ _0\"></span>rom customers based on the <span class=\"_ _0\"></span>terms of the guaran<span class=\"_ _0\"></span>tee and letter of cr<span class=\"_ _0\"></span>edit. They<span class=\"_ _0\"></span> expose the Group t<span class=\"_ _0\"></span>o similar risks to loans and these ar<span class=\"_ _0\"></span>e mitigated by <span class=\"_ _0\"></span>the same control pr<span class=\"_ _0\"></span>ocesses and policies.<span class=\"_ _3e0\"> </span>Credit quality<span class=\"_ _0\"></span> per class of financial assets<span class=\"_ _3e0\"> </span>The credit quality<span class=\"_ _0\"></span> of financial assets is managed by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup through internal and e<span class=\"_ _0\"></span>xternal credit ratings used in E<span class=\"_ _0\"></span>CL calculations. For c<span class=\"_ _0\"></span>orporate loan portfolios, <span class=\"_ _0\"></span>the Group runs an internal r<span class=\"_ _0\"></span>ating model in which its customers are r<span class=\"_ _0\"></span>ated fr<span class=\"_ _0\"></span>om 1 to 7 using internal grades. <span class=\"_ _0\"></span>The models incorporate both qualit<span class=\"_ _0\"></span>ative and quantitative inf<span class=\"_ _0\"></span>ormation and, in addition to inf<span class=\"_ _0\"></span>ormation specific to each borrower<span class=\"_ _5\"></span>, utilising supplemental external inf<span class=\"_ _0\"></span>ormation that could af<span class=\"_ _0\"></span>fect the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s behaviour<span class=\"_ _d\"></span>. It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy to main<span class=\"_ _0\"></span>tain accurate and c<span class=\"_ _0\"></span>onsistent risk ratings acr<span class=\"_ _0\"></span>oss the credit portf<span class=\"_ _0\"></span>olio. This <span class=\"_ _0\"></span>facilitates f<span class=\"_ _0\"></span>ocused management of the applicable risks and the comparison of cr<span class=\"_ _0\"></span>edit exposures acr<span class=\"_ _0\"></span>oss all lines of business, geogr<span class=\"_ _0\"></span>aphic regions and products. <span class=\"_ _0\"></span>The rating system is supported by<span class=\"_ _0\"></span> a variety o<span class=\"_ _0\"></span>f financial analytics to provide <span class=\"_ _0\"></span>the main inputs for <span class=\"_ _0\"></span>the measurement of coun<span class=\"_ _0\"></span>terpart<span class=\"_ _2\"></span>y risk. All in<span class=\"_ _0\"></span>ternal risk ratings ar<span class=\"_ _0\"></span>e tailored <span class=\"_ _0\"></span>to the various categories and ar<span class=\"_ _0\"></span>e derived in accor<span class=\"_ _0\"></span>dance with the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s rating policy<span class=\"_ _d\"></span>. At<span class=\"_ _0\"></span>tributable risk ratings ar<span class=\"_ _0\"></span>e assessed and updated regularly<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>For R<span class=\"_ _0\"></span>etail, Micro and SME loans, the Gr<span class=\"_ _0\"></span>oup uses external r<span class=\"_ _0\"></span>atings provided b<span class=\"_ _0\"></span>y Credit Bur<span class=\"_ _0\"></span>eau. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s treasury<span class=\"_ _d\"></span>, trading and inter<span class=\"_ _0\"></span>-bank relationships and counterparties comprise <span class=\"_ _0\"></span>financial ser<span class=\"_ _2\"></span>vices institutions, banks and brok<span class=\"_ _0\"></span>er-dealers. For<span class=\"_ _0\"></span> these, wher<span class=\"_ _0\"></span>e external ratings pr<span class=\"_ _0\"></span>ovided by<span class=\"_ _0\"></span> rating agencies ar<span class=\"_ _0\"></span>e available, the Group Cr<span class=\"_ _0\"></span>edit Risk department uses such external r<span class=\"_ _0\"></span>atings. For those <span class=\"_ _0\"></span>where external r<span class=\"_ _0\"></span>atings are not av<span class=\"_ _0\"></span>ailable internal ratings are as<span class=\"_ _0\"></span>signed.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws internal and external gr<span class=\"_ _0\"></span>ades used in ECL calculating.<span class=\"_ _3e0\"> </span><table class=\"s wfeb h15e\" id=\"_23609b61-0ecb-472d-844f-858a59e9cd30\"><tr><td></td><td></td><td></td><td class=\"t m1 x4e0 h77 y4e27 ff2 fs1d fc1 sc0 ls0 ws0\">External Rating Grade<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4e29 wfec h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Description*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190c y4e29 wfed h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Grades<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x190d y4e29 wfee h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Credit Bur<span class=\"_ _0\"></span>eau<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190e y4e29 wfef h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d &amp; Poor\u2019s<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e2a ffb fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e2b wff0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aaa<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1910 y4e2b w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1911 y4e2b wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e2b wff2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AAA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2c wff3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1913 y4e2c wff4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1914 y4e2c wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1915 y4e2c wff6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">AA+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2d wff7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1916 y4e2d w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1917 y4e2d wff8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1918 y4e2d wff9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2e wffa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e2e wffb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">2-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191a y4e2e w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191b y4e2e wffc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A<span class=\"_ _2\"></span>A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2f wffd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191c y4e2f wffe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191d y4e2f wfff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191e y4e2f w1000 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e30 w1001 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191f y4e30 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x191e y4e30 wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e31 w1002 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1920 y4e31 w1003 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1921 y4e31 wdd8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e32 w1004 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1922 y4e32 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1923 y4e32 w1005 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e33 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1924 y4e33 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1925 y4e33 w1006 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e34 ffb fs8 fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e35 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1926 y4e35 w1008 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">4-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1927 y4e35 w1009 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e36 w100a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1928 y4e36 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1929 y4e36 w100b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e36 w100c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e37 w100d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192a y4e37 w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192b y4e37 w100e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192c y4e37 w100f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e38 w1010 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192d y4e38 w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192e y4e38 w1012 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192f y4e38 w1013 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e39 wdc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e39 w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1930 y4e39 w1014 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e3a w1015 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1931 y4e3a w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1932 y4e3a wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e3b ffb fs8 fc1 sc0 ls0 ws0\">Low grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e3c w1016 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1933 y4e3c w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1934 y4e3c wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1932 y4e3c w1017 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4c22 w1018 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1935 y4c22 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1936 y4c22 w1019 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1937 y4c22 w101a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _2\"></span>+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bee wdc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1938 y4bee w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4bee w101b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1939 y4bee w101c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bf1 w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193a y4bf1 w101d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsb0 ws101\">7-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x193b y4bf1 w101e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4ac9 wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">Ca<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x193c y4ac9 w101f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x193d h1b y4e3d ff2 fs8 fc1 sc0 ls0 ws0\">C<span class=\"_ _3e0\"> </span></td></tr></table>* <span class=\"_ _299\"> </span>Grades are not supposed to be linked <span class=\"_ _0\"></span>to each other across the r<span class=\"_ _0\"></span>ating categories above.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws the credit quality b<span class=\"_ _0\"></span>y class of<span class=\"_ _0\"></span> asset in the statement of financial po<span class=\"_ _0\"></span>sition, presented in gr<span class=\"_ _0\"></span>oss amounts, based on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit r<span class=\"_ _0\"></span>ating system.<span class=\"_ _3e0\"> </span>A def<span class=\"_ _0\"></span>aulted financial asset that is past due mor<span class=\"_ _0\"></span>e than 90 days is assessed as a non-performing loan or as de<span class=\"_ _0\"></span>termined on an individual basis based on other available in<span class=\"_ _0\"></span>formation r<span class=\"_ _0\"></span>egarding financial difficulties of<span class=\"_ _0\"></span> the borrower<span class=\"_ _5\"></span>.<span class=\"_ _3e0\"> </span>Other financial assets include r<span class=\"_ _0\"></span>eceivables f<span class=\"_ _0\"></span>rom remitt<span class=\"_ _0\"></span>ance operations and other r<span class=\"_ _0\"></span>eceivables.<span class=\"_ _3e0\"> </span><table class=\"s w1020 h11b\" id=\"_79e58145-053c-49bf-9801-92567e6213eb\"><tr><td class=\"c n x1ca y4c99 w1021 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193f y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1940 y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x142f y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1941 y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1943 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1944 y4aa3 w1027 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,078,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1945 y4aa3 w1028 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,078,242<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1029 h15f\" id=\"_a2e1b493-5fd4-4a3c-a17e-4fa4445de6b1\"><tr><td class=\"c n x1ca y4e3e w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4e3e w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4e3e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1947 y4b45 w102b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>73<span class=\"_ _2\"></span>4,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10eb y4b45 w102c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,734,224<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1948 y4b46 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1949 y4b46 w102d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194a y4aa3 w5be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194b y4aa3 w102e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w102f h14c\" id=\"_bdf6e769-dd19-4fb0-b6fe-29eb63f46247\"><tr><td class=\"c n x1ca y4dd9 w1030 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194c y4dd9 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194d y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194e y4b44 wfe2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194f y4b44 w203 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1950 y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1952 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x973 y4aa3 w480 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1953 y4aa3 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w610 h160\" id=\"_937683fd-8f24-4fa1-9250-cdae39d751d7\"><tr><td class=\"c n x1ca y4e3f w1033 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e3f w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e3f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1955 y4b44 w1034 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1956 y4b44 w1035 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1957 y4b45 w1036 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,058,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1958 y4b45 w1037 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1959 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195a y4aa3 w1039 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa3 w103a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h11d\" id=\"_3782ac42-9f14-4179-bf27-0633998465dd\"><tr><td class=\"c n x1ca y4c9b w103c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4c9b w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4da1 w103d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,388,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1960 y4da1 w238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1961 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4da1 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1962 y4da1 w103e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,457<span class=\"_ _d\"></span>,095<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1963 y4b42 w103f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,389<span class=\"_ _0\"></span>,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1964 y4b42 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,79<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1965 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1966 y4b42 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1967 y4b42 wb4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,449<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b43 w5d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1969 y4b43 w129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">372,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196b y4b43 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">505,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c9d w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">464,<span class=\"_ _0\"></span>999<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196d y4c9d wcc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196e y4c9d w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196f y4c9d w55b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">481,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e40 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b46 w1043 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1973 y4b46 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1974 y4b46 w558 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,845<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1044 h161\" id=\"_4db77139-add7-42cc-b19d-7caa4e401957\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4dc5 w1046 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,3<span class=\"_ _2\"></span>46,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197a y4dc5 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,608<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x197b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197c y4dc5 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197d y4dc5 w1047 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,362<span class=\"_ _2\"></span>,316<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197e y4b41 wb65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197f y4b41 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,712<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1980 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1981 y4b41 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1982 y4b41 w1048 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1983 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1984 y4b42 w104a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x9e1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1985 y4b42 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1986 y4b42 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">208,847<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w104c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1988 y4c0f w104d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">732<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1989 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198a y4c0f w104e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198b y4c0f wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,<span class=\"_ _0\"></span>126<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e41 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198c y4b45 w104f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198d y4b45 w1050 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198e y4b45 w7ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,214<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198f y4b45 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1992 y4adf wcbe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1993 y4adf w1051 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1994 y4adf w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1052 h161\" id=\"_ede9b79c-57c3-42dc-9475-b493f3034c25\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1999 y4b40 w1054 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>80,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199a y4b40 w1055 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199b y4b40 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x899 y4b40 w1056 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,511,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4b41 w1057 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,012,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1143 y4b41 w1058 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199d y4b41 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199e y4b41 w1059 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,086,<span class=\"_ _d\"></span>986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 w105a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a0 y4b42 w569 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a2 y4b42 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w105b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a5 y4b43 w105c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a6 y4b43 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a7 y4b43 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,479<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e42 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b45 w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _5\"></span>,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4b45 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a9 y4b45 w11f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19aa y4b46 w3e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ab y4b46 w105d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ac y4b46 w105e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>18<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w105f h162\" id=\"_1f2363b0-8e5c-45d3-8ef0-0ccbae52fd33\"><tr><td class=\"c n x1ca y4e43 w1060 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4e43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4e43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4e43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4e43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4e43 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b2 y4e44 w1061 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,693,7<span class=\"_ _0\"></span>67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b3 y4e44 w1062 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b4 y4e44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b5 y4e44 w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4e44 w1063 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,704,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b6 y4e45 w52e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>179,<span class=\"_ _0\"></span>793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b7 y4e45 w1064 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _d\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1225 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b8 y4e45 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b9 y4e45 w1065 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,233,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e46 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4e46 w1066 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">233,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bb y4e46 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4e46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bc y4e46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bd y4e46 w1067 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">411,<span class=\"_ _d\"></span>981<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4e47 w1068 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bf y4e47 w1069 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c0 y4e47 w72e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c1 y4e47 wd70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e48 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c2 y4b45 wda2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c3 y4b45 w106a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c4 y4b45 w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,67<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c5 y4adf wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>795<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c6 y4adf w106b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c7 y4adf w106c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h163\" id=\"_17e70ae4-b965-43ce-a3c7-063bace4cfb4\"><tr><td class=\"c n x1ca y4e43 w106d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4e43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4e43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4e43 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4e43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4e43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e49 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cc y4e49 w76a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cd y4e49 w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ce y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cf y4e49 w73b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d0 y4e45 w106e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">40,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d1 y4e45 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4e45 w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e4a w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d2 y4e4a w106f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d3 y4e4a wbc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4e4a w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4e47 w1070 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d4 y4e47 w1071 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d5 y4e47 w1072 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,811<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w1073 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d7 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d8 y4b45 w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19da y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19db y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1075 h161\" id=\"_b1c059bf-8b23-4ca9-851f-d9bfa4e797e7\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dc y4b40 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,832<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dd y4b40 w1077 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19df y4b40 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e0 y4b40 wa43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e1 y4b41 w1078 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e2 y4b41 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e3 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e4 y4b41 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b3 y4b41 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,809<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e5 y4b42 w9b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">475<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e6 y4b42 w52c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e7 y4b42 wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e8 y4b42 wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,897<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e9 y4b43 w1079 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4b43 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19eb y4b43 w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>485<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ec y4b45 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4b45 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ed y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ee y4b46 w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ef y4b46 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa3 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa3 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa3 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa3 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w107a h120\" id=\"_7159cbb6-6027-44e4-a640-f91ab6185926\"><tr><td class=\"c n x1ca y4ca0 w107b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4ca0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f3 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f4 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f5 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1020 h120\" id=\"_9a15f5c5-4379-44ff-a6f9-7b3740434e01\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f7 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90f y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f8 y4aa3 we82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _2\"></span>4,765<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we39 h161\" id=\"_5be700d6-464f-472d-870b-e6922f15340c\"><tr><td class=\"c n x1ca y4d43 w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4b40 w3a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">997<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f9 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ff y4b40 w107e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>97<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a00 y4da1 w107f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _5\"></span>,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a01 y4da1 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18eb y4da1 w3b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _d\"></span>,272<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,715<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a02 y4b42 wb39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">161,350<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a03 y4b42 w1081 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">426,065<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4b43 w1082 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140<span class=\"_ _0\"></span>,467<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b43 w1083 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2ba y4b43 w1084 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4d ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a05 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a07 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,7<span class=\"_ _0\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a08 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a09 y4b46 w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>74<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0a y4aa3 w1085 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _d\"></span>49,<span class=\"_ _0\"></span>726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0b y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,656<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0d y4aa3 w652 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1086 h164\" id=\"_77cf8b2e-36b4-4b08-acec-b04486bf41ac\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e4e w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e4e w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e4e w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0e y4c0f w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1841 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0f y4c0f w1088 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _d\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a10 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a11 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a13 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4b45 w108a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a16 y4b45 w108b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a18 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a19 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1a y4aa3 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1b y4aa3 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _0\"></span>,545<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w108d h165\" id=\"_7fc698ba-db59-447b-95fc-3b2e8160aac4\"><tr><td class=\"c n x1ca y4e4f w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4e4f w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4e4f w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e4f w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4e4f w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4e4f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1a w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1d y4e1a w605 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,644<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1e y4e1a w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1f y4e1a w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4e1a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a20 y4e1a we8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,871<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1b w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a21 y4e1b w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240,<span class=\"_ _d\"></span>974<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4e1b w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,203<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a23 y4e1b w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e50 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4e50 w108f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,791<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4e50 w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4e50 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a25 y4e50 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a26 y4e50 w65e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a27 y4e1d w1090 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>1,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a28 y4e1d w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2a y4e1d wb38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,583<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e51 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e52 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4e52 w661 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>,76<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2b y4e52 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2c y4e52 w1091 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,771<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2d y4aa3 w1092 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,004,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2e y4aa3 w1093 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2f y4aa3 w1094 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,776<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a30 y4aa3 wcb9 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a31 y4aa3 wf12 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,014,951<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1095 h166\" id=\"_c886010e-976b-4812-8deb-aaf91b6681fb\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a32 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a33 y4c99 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a34 y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a35 y4b43 w1096 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372,6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a36 y4b43 w1097 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372<span class=\"_ _2\"></span>,649<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a37 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4b45 w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3a y4b45 w23d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3b y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fd y4aa3 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3c y4aa3 w109a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w109b h14c\" id=\"_88fcb3cf-e376-4b65-b058-33f14b0e7d97\"><tr><td class=\"c n x1ca y4dd9 w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3d y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4dd9 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a40 y4b44 w109c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,396,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a41 y4b44 wa9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,396,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a42 y4b45 w67f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,8<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a43 y4b45 w109d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a44 y4adf wdb9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a45 y4adf w109e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a46 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,438,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a47 y4aa3 w10a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,438,346<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10a1 h14c\" id=\"_66aa6327-ec33-4afa-889e-eeabec177a53\"><tr><td class=\"c n x1ca y4dd9 w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a48 y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a49 y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4a y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4b y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4c y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4e y4adf w2a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4f y4adf wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4adf w10a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a50 y4aa3 w10a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a51 y4aa3 wcdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6 y4aa3 w5f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>962,535<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wd83 h161\" id=\"_f01b4150-47d1-43bb-b2a6-69ee988dd5e5\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a52 y4dc5 w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,484<span class=\"_ _2\"></span>,436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a53 y4dc5 w10a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93f y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a54 y4dc5 w60d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,563,253<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4b41 w10a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _2\"></span>66,457<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x807 y4b41 w10a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a55 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a56 y4b41 w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a57 y4b41 w10a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _0\"></span>041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a58 y4b42 w10a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a59 y4b42 w10aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _2\"></span>1,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5a y4b42 w10ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5b y4b42 w10ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">631,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w10ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">322,<span class=\"_ _d\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5c y4c0f w44a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,341<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5d y4c0f w8ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5e y4c0f w10ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">343,066<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e53 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 wb79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a60 y4b45 wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a61 y4b45 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184,<span class=\"_ _d\"></span>114<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a62 y4adf w10af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a63 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a64 y4adf wacd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4aa3 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4aa3 w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10b0 h161\" id=\"_9ea56212-9baf-4c67-a8f4-86cfdfde568d\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a65 y4b40 w10b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>020,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a66 y4b40 w10b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b40 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a68 y4b40 w10b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,047<span class=\"_ _5\"></span>,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a69 y4b41 w10b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">657<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6a y4b41 w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6b y4b41 wd24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6c y4b41 wa1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">698,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6d y4b42 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,764<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6e y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6f y4b42 wb83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a70 y4b42 we1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4b43 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a72 y4b43 w10b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a73 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a74 y4b43 wfe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e54 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a75 y4b45 w10b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a76 y4b45 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a77 y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a79 y4b46 w10b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>474<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7a y4b46 w10ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7b y4aa3 wfdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7c y4aa3 w6d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,65<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7d y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7e y4aa3 wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10bb h161\" id=\"_29a9181d-82f7-4d61-9302-7bcffa8ac430\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7f y4b40 w10bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,026,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a80 y4b40 w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,580<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a81 y4b40 w10bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a82 y4b40 w10be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,070,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4da1 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,022,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a83 y4da1 w45c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">6<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a84 y4da1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a85 y4da1 w10bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,091,082<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a86 y4b42 w10c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">145,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a87 y4b42 w10c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,7<span class=\"_ _0\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a88 y4b42 w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a89 y4b42 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,893<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w10c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281,391<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8a y4b43 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8b y4b43 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8c y4b43 w10c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">207<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8d y4b43 w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e55 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8e y4b45 w151 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,<span class=\"_ _d\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8f y4b45 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a90 y4b45 w10c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a92 y4b46 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a93 y4b46 w10c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>768<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4aa3 w73b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a94 y4aa3 w10c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w37c h161\" id=\"_bf66f877-f170-4783-852a-138c2cdd584f\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a95 y4dc5 w10c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,003,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a96 y4dc5 w10c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a97 y4dc5 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4dc5 w10ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,295<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">872<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9a y4b41 w10cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _0\"></span>737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9b y4b41 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b41 w10cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>13,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9c y4b42 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _d\"></span>,751<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9e y4b42 wd45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9f y4b42 w10cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _2\"></span>4,691<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c0f w10ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">164<span class=\"_ _2\"></span>,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa0 y4c0f w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa1 y4c0f w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa2 y4c0f w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e56 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w10d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa4 y4b45 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa5 y4b45 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa6 y4adf w106a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa7 y4adf wbe7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa8 y4adf w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa9 y4aa3 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaa y4aa3 wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,99<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aab y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we99 h13c\" id=\"_22526500-bfdd-43bc-8b87-100bc7713eec\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aac y4b40 w10d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aad y4b40 w6c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaf y4b40 wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab0 y4b41 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab1 y4b41 w10d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab2 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab3 y4b41 w10d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,533<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 wd0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab4 y4b42 w10d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab5 y4b42 w10d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,848<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab6 y4b43 w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab7 y4b43 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab8 y4b43 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab9 y4b43 wb83 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e57 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aba y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abb y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abc y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abd y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abf y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac0 y4aa3 w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac1 y4aa3 w7f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10d6 h167\" id=\"_81ec2892-9052-46cb-bda6-5f718fa0cbdf\"><tr><td class=\"c n x1ca y4dcb w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4dcb w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4dcb w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4dcb w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4dcb w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4dcb w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac2 y4b41 w10d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac3 y4b41 w10d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac4 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4b41 w10d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac6 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b4 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac7 y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac8 y4c0f w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac9 y4c0f w10da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aca y4c0f w5e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e58 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acb y4b45 we53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,814<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acc y4b45 w10db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b45 wc5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ace y4adf w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acf y4adf w444 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad0 y4adf wd0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,5<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad1 y4aa3 w10dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad2 y4aa3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad3 y4aa3 w10de hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4aa3 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad4 y4aa3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10df h120\" id=\"_98066e8c-d4cc-4f66-be58-98f7747ab9b7\"><tr><td class=\"c n x1ca y4ca0 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad5 y4ca0 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad6 y4ca0 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad7 y4ca0 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad8 y4ca0 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4ca0 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad9 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ada y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adb y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adc y4aa3 w10e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ade y4aa3 w10e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _0\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w449 h168\" id=\"_c0491a9d-02c9-485e-a48b-97ecb3b231cc\"><tr><td class=\"c n x1ca y4e59 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adf y4e59 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4e59 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae0 y4e59 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae1 y4e59 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae2 y4e59 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4adf w98b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x359 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae3 y4adf w10e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae4 y4aa3 w10e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae5 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae6 y4aa3 w10e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10e6 h11d\" id=\"_ffc9d3c1-1c53-4780-995a-3350fc0e687f\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4c9b w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b41 w10e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>049<span class=\"_ _0\"></span>,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae8 y4b41 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae9 y4b41 w10e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,049<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aea y4b42 w10e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aeb y4b42 w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aec y4b42 w10ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">246,27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b43 w85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aed y4b43 w10eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aef y4b43 w4c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">244,080<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b44 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af0 y4b44 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af2 y4b44 w10ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5a ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af3 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af4 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af5 y4aa3 w10ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,678,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af6 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,668<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af7 y4aa3 w10ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af8 y4aa3 w10f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _2\"></span>17<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10f1 h14c\" id=\"_e797c790-9757-4977-a9dc-493249f5b024\"><tr><td class=\"c n x1ca y4dd9 w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4dd9 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4dd9 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4dd9 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4dd9 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4dd9 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af9 y4b44 w10f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,091<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4b44 waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,091<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afa y4b45 w10f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afb y4b45 w10f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,6<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w10f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afc y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afd y4adf w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afe y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x827 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10f7 h161\" id=\"_90c3e56a-24f3-422f-a3cb-91ee0988f8a8\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4dc5 w10f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aff y4dc5 w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b00 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b01 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1118 y4dc5 w10f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,4<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w10fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b02 y4b41 w10fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1989 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b03 y4b41 w10fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,087<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b04 y4b42 w10fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4b42 w10fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b05 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4b42 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b06 y4c0f w10ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b07 y4c0f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b09 y4c0f w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1111 y4c0f w1100 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,219<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4b45 wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0a y4b45 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0b y4b45 w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,538<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0c y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0d y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0e y4aa3 w1101 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0f y4aa3 w1102 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b10 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w1103 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ee y4aa3 w1104 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _0\"></span>,061<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1105 h166\" id=\"_c0a2d07f-d502-4896-a4fc-d67a3fd96e0e\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1774 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b11 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b12 y4b44 w1106 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _d\"></span>953<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b13 y4b44 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b14 y4b45 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b15 y4b45 w1107 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x283 y4b46 w1108 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209<span class=\"_ _0\"></span>,548<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4b46 w1109 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 w110a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">7<span class=\"_ _0\"></span>69,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4aa3 w110b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">769<span class=\"_ _d\"></span>,52<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w110c h11c\" id=\"_f9f4fe34-0fad-413e-9208-c1ee35c969a8\"><tr><td class=\"c n x1ca y4c9a w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4c9a w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4c9a w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b17 y4ade w110d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>903,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b18 y4ade w110e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,90<span class=\"_ _0\"></span>3,301<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b19 y4adf w510 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _2\"></span>420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1a y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1b y4aa3 w110f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>1,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1c y4aa3 w837 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,931,<span class=\"_ _0\"></span>721<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1110 h164\" id=\"_a2ea9533-0529-4d5d-8eba-65636c6c7103\"><tr><td class=\"c n x1ca y4e4e w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e4e w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e4e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1d y4c0f w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1e y4c0f w1112 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,369<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1f y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b20 y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b21 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b22 y4ade wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b23 y4adf w7e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b24 y4adf w1113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,<span class=\"_ _d\"></span>948<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b25 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,589<span class=\"_ _0\"></span>,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b26 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,589,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w108d h161\" id=\"_5503c237-8f3c-4fd4-9724-a1736f5055d7\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b40 w1115 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,815,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b27 y4b40 w1116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b28 y4b40 wc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,827<span class=\"_ _d\"></span>,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b29 y4da1 w1117 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2a y4da1 wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2b y4da1 w1027 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,485,005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2c y4b42 w1118 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">369<span class=\"_ _d\"></span>,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2d y4b42 wbe6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2e y4b42 w1119 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2f y4b42 w99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">552,423<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b30 y4b43 w111a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">430,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b31 y4b43 w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,536<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4b43 wd11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b32 y4b43 w79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">454<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w111b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b33 y4b45 w111c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b34 y4b45 w111d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b35 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b36 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b37 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1511 y4aa3 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b38 y4aa3 w111e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,184<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wd7a h169\" id=\"_7b10725e-2d92-4516-8679-26a36f1cfc6e\"><tr><td class=\"c n x1ca y4e5d w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e5d w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e5d w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e5d w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e5d w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e5d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b39 y4dc5 w111f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,751,<span class=\"_ _d\"></span>165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3a y4dc5 w1120 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4dc5 w1121 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3d y4dc5 w1122 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,820,462<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3e y4b41 w1123 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b41 w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b40 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b41 y4b41 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b42 y4b41 w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">705,513<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1124 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b43 y4b42 w1125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _2\"></span>454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b44 y4b42 w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4b42 w1127 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4c0f w1128 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b45 y4c0f w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b46 y4c0f wc2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,<span class=\"_ _0\"></span>917<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5e ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w1129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _d\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b48 y4b45 w112a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b49 y4b45 wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,374<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4a y4adf w311 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4adf w112b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4aa3 w112c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4b y4aa3 w864 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4c y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h161\" id=\"_c62b40cb-63a6-4c0b-85b3-3484c5097622\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4d y4b40 w112d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>733,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4e y4b40 wea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4f y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b50 y4b40 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b51 y4b40 w16d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,837<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b52 y4b41 w112e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">932,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b53 y4b41 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b54 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b55 y4b41 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b56 y4b41 w112f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,024,328<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b57 y4b42 w597 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,<span class=\"_ _0\"></span>045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4b42 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4b42 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b58 y4b42 w1130 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b59 y4b43 w1131 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">506,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5a y4b43 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>740<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5b y4b43 w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5c y4b43 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">536,<span class=\"_ _0\"></span>110<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5f ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5d y4b45 w592 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>125<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5e y4b45 w1132 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w1133 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5f y4b46 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b46 w1134 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa3 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b61 y4aa3 wabd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1135 h161\" id=\"_88851f93-ee10-4045-824a-d8e536057d76\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b62 y4b40 wbdd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114b y4b40 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b63 y4b40 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b64 y4b40 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b65 y4da1 w1136 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">758,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b66 y4da1 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b67 y4da1 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1223 y4da1 w1137 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,<span class=\"_ _0\"></span>150<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w675 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">272,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b68 y4b42 w5e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4b42 w595 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4b42 w1138 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b43 wd2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">189<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b69 y4b43 w1139 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">96<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6a y4b43 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b43 wad8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e60 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w113a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6b y4b45 w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6c y4b45 w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6d y4b46 w113b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6e y4b46 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6f y4aa3 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b70 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wf4c h13c\" id=\"_c9f345a4-12c1-4e9e-a412-e0abe6031baa\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b71 y4b40 w78a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b72 y4b40 wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b73 y4b40 w22c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,776<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b74 y4b41 w113d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4b41 w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b75 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b76 y4b41 w113e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">44<span class=\"_ _2\"></span>,596<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4b42 w113f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b77 y4b42 w1140 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x945 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b78 y4b42 wa96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,85<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w1dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,677<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1980 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7a y4b43 w1141 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,677<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e61 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7b y4b45 w1142 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7c y4b45 w1143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7d y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7e y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7f y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b80 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1145 h161\" id=\"_5950f0fc-27df-4179-ad9c-8425a5c79919\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b81 y4b40 w1146 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b82 y4b40 w825 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b83 y4b40 w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b84 y4da1 w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b85 y4da1 wd2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b86 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b87 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4da1 w3a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,0<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b88 y4b42 w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b89 y4b42 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,850<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8a y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8b y4b42 wf1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,365<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8c y4b43 wc99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,780<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8d y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4b43 w217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e62 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8e y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8f y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b90 y4b46 w5ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b91 y4b46 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b92 y4b46 wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,589<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa3 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa3 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa3 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wdae h168\" id=\"_2967eb14-da25-414f-838c-8041dbc8fabd\"><tr><td class=\"c n x1ca y4e59 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4e59 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4e59 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b93 y4adf w1147 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b94 y4adf w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4aa3 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1803 y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1075 h120\" id=\"_8ab5d28c-111e-487b-89ce-7aced282d7cf\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4adf w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b96 y4adf w1148 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b97 y4aa3 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b98 y4aa3 w1149 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w114a h11d\" id=\"_15f52c9d-97a6-4610-90f9-c3ce757bbd9b\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4c9b w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9d y4b41 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4b41 w55d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x619 y4b41 w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">331,944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9f y4b42 wb37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba0 y4b42 wb19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,799<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba1 y4b42 w114b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba2 y4b43 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba3 y4b43 w114c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,33<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4b43 w114d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,710<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba5 y4b44 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba6 y4b44 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba7 y4b44 w114e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _d\"></span>188<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e63 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baa y4b46 w114f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bab y4b46 w1150 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bac y4aa3 w1151 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,650<span class=\"_ _0\"></span>,690<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bad y4aa3 w1152 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _2\"></span>479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bae y4aa3 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baf y4aa3 w1153 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,686,913<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1154 h164\" id=\"_b4d91767-4569-4b50-a8c7-de21a0d39fba\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb0 y4e4e w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb1 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4e4e w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb2 y4c0f w1155 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb3 y4c0f w1156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb4 y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb5 y4ade w1157 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb7 y4ade w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb8 y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bba y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbb y4aa3 wc55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbc y4aa3 w1158 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,676<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1135 h161\" id=\"_8c6061a6-7bcb-40ab-97c0-2da3f2bab1fc\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4d43 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbd y4b40 w1159 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">581,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbe y4b40 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbf y4b40 w93a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582,725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc0 y4b41 wd62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121,37<span class=\"_ _d\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc1 y4b41 w115a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc2 y4b41 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc3 y4b42 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc4 y4b42 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc5 y4b42 w115b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,547<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc6 y4b43 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc7 y4b43 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4b43 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112a y4b43 w115c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e64 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc8 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc9 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bca y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcb y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcc y4b46 wf50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcd y4b46 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bce y4aa3 w115d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">799,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcf y4aa3 w115e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd0 y4aa3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd1 y4aa3 w115f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">809<span class=\"_ _0\"></span>,481<span class=\"_ _3e0\"> </span></div></td></tr></table>T<span class=\"_ _0\"></span>ypes of collater<span class=\"_ _0\"></span>al the Group acc<span class=\"_ _0\"></span>epts include real estate and mov<span class=\"_ _0\"></span>able properties as well as financial assets (<span class=\"_ _d\"></span>deposits, shares and guarantees<span class=\"_ _0\"></span>) and other register<span class=\"_ _0\"></span>ed liens. Measurement and pr<span class=\"_ _0\"></span>ocessing of collater<span class=\"_ _0\"></span>al is governed by<span class=\"_ _0\"></span> generally<span class=\"_ _0\"></span> acceptable standar<span class=\"_ _0\"></span>ds and collateral-specific ins<span class=\"_ _0\"></span>tructions. These tr<span class=\"_ _0\"></span>ansactions are structured under legally<span class=\"_ _0\"></span> verified standar<span class=\"_ _0\"></span>d agreements wher<span class=\"_ _0\"></span>e the pledges are secur<span class=\"_ _0\"></span>ed through public r<span class=\"_ _0\"></span>egistr<span class=\"_ _2\"></span>y wher<span class=\"_ _0\"></span>e eligible. The <span class=\"_ _0\"></span>following table sho<span class=\"_ _0\"></span>ws the ratio of <span class=\"_ _0\"></span>the loan portfolio to the mark<span class=\"_ _0\"></span>et value of collateral held b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup in respect of <span class=\"_ _0\"></span>the portfolio. As at 31 December<span class=\"_ _0\"></span> 2023, up to 80.<span class=\"_ _d\"></span>1% of the collat<span class=\"_ _0\"></span>eral held has been rev<span class=\"_ _0\"></span>alued within the last two <span class=\"_ _0\"></span>years (2022: 78.6%, 2021: 7<span class=\"_ _0\"></span>6.0%). F<span class=\"_ _0\"></span>or residential mortgage loans, in cases <span class=\"_ _0\"></span>where the collater<span class=\"_ _0\"></span>al for<span class=\"_ _0\"></span> a loan may not be officially<span class=\"_ _0\"></span> register<span class=\"_ _0\"></span>ed until its construction is complete, <span class=\"_ _0\"></span>the respective loan is shown as unsecur<span class=\"_ _0\"></span>ed, even though it is usually secur<span class=\"_ _0\"></span>ed by<span class=\"_ _0\"></span> the corporate guar<span class=\"_ _0\"></span>antee of the c<span class=\"_ _0\"></span>onstruction company<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span><table class=\"s w1160 h16a\" id=\"_bb523984-f0d7-42bc-8ce9-cc4bd289c68a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e65 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e66 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e67 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e68 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e6a w1166 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e6a w1167 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e6b ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdf y4e6c w1168 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be0 y4e6c w96b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">837<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be1 y4e6c w1169 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,235,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be2 y4e6c w116a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be3 y4e6c w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _5\"></span>,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be4 y4e6c w116b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">370,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be5 y4e6c w116c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>454,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be6 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be7 y4e6c w116d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">538,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e6d w44e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be9 y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.62%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bea y4e6d w1170 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1beb y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bec y4e6d w57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.21%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bed y4e6d wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.63%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bee y4e6d w1171 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bef y4e6d w489 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf0 y4e6d w1172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf1 y4e6d w1173 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.54%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e6e ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf2 y4e6f w623 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf3 y4e6f wd6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf4 y4e6f w1175 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf5 y4e6f w1176 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>997<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf6 y4e6f w521 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13,407<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf7 y4e6f w605 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">533,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf8 y4e6f w27d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">175,455<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf9 y4e6f w1177 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _39\"></span>83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfa y4e6f w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfb y4e6f w8b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfc y4e70 w1178 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfd y4e70 w1179 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.22%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfe y4e70 w117a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e70 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c00 y4e70 wb1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c01 y4e70 w117b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c02 y4e70 w70e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c03 y4e70 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c04 y4e70 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.28%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c05 y4e70 w117d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.09%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c06 y4e71 w117f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,0<span class=\"_ _0\"></span>73,022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c07 y4e71 w1180 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _0\"></span>068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c08 y4e71 w1181 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c09 y4e71 w1182 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>131,6<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0a y4e71 w1183 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">358,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0b y4e71 we1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">314,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0c y4e71 w7d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,<span class=\"_ _0\"></span>784<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0d y4e71 w1184 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0e y4e71 w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0f y4e71 w1185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,060<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4b08 w1186 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c11 y4b08 w1187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.03%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c12 y4b08 w1188 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c13 y4b08 wb91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c14 y4b08 w1189 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c15 y4b08 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c16 y4b08 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c17 y4b08 w2a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c18 y4b08 w118a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c19 y4b08 w118b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.75%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1a y4e72 w118c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">4,69<span class=\"_ _2\"></span>9,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1b y4e72 w118d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,266,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1c y4e72 wcd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,573<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1d y4e72 w118e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">919,5<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1e y4e72 w118f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">330,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1f y4e72 wb63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _d\"></span>,059<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c20 y4e72 w1190 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _5\"></span>,651<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c21 y4e72 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c22 y4e72 w172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1125 y4e72 w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,285<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c23 y4e73 w1191 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c24 y4e73 w1192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.<span class=\"_ _0\"></span>16%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c25 y4e73 w1193 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c26 y4e73 w1194 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c27 y4e73 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c28 y4e73 w1195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c29 y4e73 w470 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.61%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2a y4e73 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2b y4e73 w4f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2c y4e73 w48c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.62%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2d y4e74 w629 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2e y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2f y4e74 w1196 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,362<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c30 y4e74 w1197 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c31 y4e74 w105a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c32 y4e74 w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c33 y4e74 w1198 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c34 y4e74 wf7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1821 y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c35 y4e74 wa4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e75 w300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c37 y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c38 y4e75 w1199 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c39 y4e75 w2aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3a y4e75 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3b y4e75 w119a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3c y4e75 w119b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3d y4e75 w618 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3e y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3f y4e75 w119c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81.82%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e76 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c40 y4aa3 w119e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c41 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>450,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c42 y4aa3 w11a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,038,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c43 y4aa3 w11a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>16,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c44 y4aa3 w11a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,693,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c45 y4aa3 w11a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,476,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c46 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699,872<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c47 y4aa3 w11a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">632,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c48 y4aa3 w11a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa8 ws18\">16<span class=\"_ _0\"></span>9<span class=\"_ _d\"></span>,444<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c49 y4aa3 w11a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">620,510<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1160 h16a\" id=\"_d8a2b4ba-6485-48a9-aba9-0b6b351d2cf0\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e77 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e78 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e79 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e7a ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e7c w1163 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e7c w1164 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e7c w1165 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e7c waf1 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e7c w16d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e7c w1166 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e7c w1167 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e7d ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e7e w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4a y4e7e w11a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4b y4e7e w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4c y4e7e w11a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,037<span class=\"_ _5\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4d y4e7e w11aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">900,866<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4e y4e7e w6fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4e7e w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">245,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4f y4e7e w11ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,243,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c50 y4e7e w940 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c51 y4e7e we07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c52 y4e7e w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,<span class=\"_ _d\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4e6d w465 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c53 y4e6d w11ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c54 y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c55 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c56 y4e6d w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c57 y4e6d w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c58 y4e6d w11ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>14%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c59 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5a y4e6d w11af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5b y4e6d w11b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.01%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e7f ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5c y4e6f w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5d y4e6f w11b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5e y4e6f w11b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,0<span class=\"_ _0\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5f y4e6f w11b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _0\"></span>,064<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c60 y4e6f w11b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">532<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c61 y4e6f w11b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c62 y4e6f w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c63 y4e6f w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>114<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c64 y4e6f w11b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c65 y4e6f w11b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>483<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e80 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e80 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c66 y4e80 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c67 y4e80 w1193 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c68 y4e80 w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c69 y4e80 w11b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4e80 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6b y4e80 w474 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.0<span class=\"_ _0\"></span>7%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6c y4e80 w11ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6d y4e80 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6e y4e80 w11bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.06%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e81 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6f y4e81 wad7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c70 y4e81 w11bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">405,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c71 y4e81 w11bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,<span class=\"_ _0\"></span>724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c72 y4e81 w507 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c73 y4e81 w6db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">278,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c74 y4e81 w11be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,462<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c75 y4e81 w11bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">800<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c76 y4e81 wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c77 y4e81 w456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c78 y4e81 w11c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,084<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4b08 w11c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c79 y4b08 waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7a y4b08 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7b y4b08 w11c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">0.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7c y4b08 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7d y4b08 w11c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _2\"></span>48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7e y4b08 w11c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7f y4b08 wb89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c80 y4b08 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c81 y4b08 w11c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.88%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c82 y4e72 w11c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c83 y4e72 w11c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,794,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c84 y4e72 w799 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">629<span class=\"_ _0\"></span>,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c85 y4e72 w11c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">694,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c86 y4e72 w11c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">217<span class=\"_ _d\"></span>,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c87 y4e72 w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">174,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c88 y4e72 waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c89 y4e72 w11ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8a y4e72 w11cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8b y4e72 w11cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e82 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8c y4e82 w473 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8d y4e82 w11cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8e y4e82 w312 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.03<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8f y4e82 w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c90 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c91 y4e82 w470 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c92 y4e82 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c93 y4e82 w11cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c94 y4e82 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c95 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.53%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c96 y4e74 w11d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c97 y4e74 w11d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c98 y4e74 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,589<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c99 y4e74 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9a y4e74 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4e74 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9b y4e74 w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9c y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9d y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9e y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4e75 w11d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca0 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca1 y4e75 wcd9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50.54%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca2 y4e75 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca3 y4e75 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca4 y4e75 w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca5 y4e75 w11d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca6 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca7 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x27e y4e75 w11d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84.21%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e83 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfd\"><div class=\"t m1 x1c5 h1b y4af4 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca8 y4aa3 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca9 y4aa3 we23 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,034,154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caa y4aa3 w11d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,542,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cab y4aa3 w11d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,478,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cac y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cad y4aa3 w88d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>4,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cae y4aa3 w11d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358,<span class=\"_ _2\"></span>432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caf y4aa3 w11d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">427<span class=\"_ _d\"></span>,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb0 y4aa3 w55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">105,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb1 y4aa3 w11d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">729<span class=\"_ _0\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1160 h16a\" id=\"_6e1b7ef2-66c2-4655-986f-682767f0603a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e84 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e85 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e86 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e87 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb2 y4e6a w11da h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb3 y4e6a w848 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">300-<span class=\"_ _2\"></span>400%</div></td><td class=\"t m1 x627 h77 y4e89 ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb4 y4e6c w11db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb5 y4e6c w1068 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">67<span class=\"_ _2\"></span>0,741<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb6 y4e6c w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">474,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb7 y4e6c w11dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,396,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb8 y4e6c w11dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>960<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb9 y4e6c w11de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,<span class=\"_ _0\"></span>995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cba y4e6c w11df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbb y4e6c w11e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">814<span class=\"_ _2\"></span>,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbc y4e6c w11e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _5\"></span>,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4e6c w11e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">399<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>99<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbd y4e6d w11e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbe y4e6d w11e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbf y4e6d w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc0 y4e6d w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.04%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc1 y4e6d w11e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">2.<span class=\"_ _0\"></span>71%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc2 y4e6d w117d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc3 y4e6d wcde hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc4 y4e6d w459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc5 y4e6d w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>17%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8a ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc6 y4e6f w11e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc7 y4e6f wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc8 y4e6f w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">715,692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc9 y4e6f w11e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,556,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cca y4e6f w11e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">651,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccb y4e6f w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519,<span class=\"_ _d\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccc y4e6f w11ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">440,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccd y4e6f w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cce y4e6f w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccf y4e6f w11eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,26<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd0 y4e70 w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd1 y4e70 w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd2 y4e70 w11ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd3 y4e70 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd4 y4e70 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd5 y4e70 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd6 y4e70 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.41%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd7 y4e70 w1173 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd8 y4e70 w11ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _d\"></span>15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd9 y4e70 w11ee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.32%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cda y4e71 wb0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,731,<span class=\"_ _0\"></span>756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdb y4e71 w11ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _0\"></span>,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdc y4e71 w8e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">725,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdd y4e71 w11f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">933,874<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cde y4e71 w11f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">272,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdf y4e71 w11f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce0 y4e71 w54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">835,894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce1 y4e71 w370 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">90<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce2 y4e71 w11f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce3 y4e71 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4b08 w1192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>99%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce4 y4b08 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.89%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce5 y4b08 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce6 y4b08 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.27%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce7 y4b08 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4b08 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce8 y4b08 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce9 y4b08 w489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cea y4b08 w11f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ceb y4b08 w11f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cec y4e72 w11f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ced y4e72 w11f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,560,864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cee y4e72 w11f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">443,343<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cef y4e72 w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">514,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf0 y4e72 w11fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf1 y4e72 we6f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf2 y4e72 w98f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf3 y4e72 wdd6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf4 y4e72 w6e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf5 y4e72 w11fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4,02<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e73 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf6 y4e73 w11fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf7 y4e73 w11fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf8 y4e73 w1187 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf9 y4e73 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfa y4e73 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfb y4e73 w11fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.67%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfc y4e73 w11ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfd y4e73 w1200 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfe y4e73 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cff y4e74 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d00 y4e74 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d01 y4e74 wb81 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d02 y4e74 w1201 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _d\"></span>,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d03 y4e74 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,095<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d04 y4e74 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d05 y4e74 w1202 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d06 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d07 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d08 y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e75 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d09 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0a y4e75 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0b y4e75 w1203 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0c y4e75 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0d y4e75 wada hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>47%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0e y4e75 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">2.48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0f y4e75 w2b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d10 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d11 y4e75 w1204 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8b ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d12 y4aa3 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d13 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,755,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d14 y4aa3 w1205 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,363,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d15 y4aa3 w1206 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>438,544<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d16 y4aa3 w1207 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,387<span class=\"_ _d\"></span>,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d17 y4aa3 w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,235,<span class=\"_ _2\"></span>489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d18 y4aa3 w1209 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,602,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d19 y4aa3 w120a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">920,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1a y4aa3 w120b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">237<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1b y4aa3 w120c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">513,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td></tr></table>Carrying amount per class of financial asse<span class=\"_ _0\"></span>ts whose terms have been r<span class=\"_ _0\"></span>enegotiated<span class=\"_ _3e0\"> </span>During the y<span class=\"_ _0\"></span>ear<span class=\"_ _d\"></span>, the Group modified the con<span class=\"_ _0\"></span>tractual cash flows on c<span class=\"_ _0\"></span>ertain loans and advances to customers. All such loans had previously<span class=\"_ _0\"></span> been transf<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>o at least Stage 2, with a loss allowance measured at an amoun<span class=\"_ _0\"></span>t equal to lifetime ECLs.<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table provides in<span class=\"_ _0\"></span>formation on financial asse<span class=\"_ _0\"></span>ts that were modified <span class=\"_ _0\"></span>while they<span class=\"_ _0\"></span> had a loss allowance measured at an amount equal to lif<span class=\"_ _0\"></span>etime ECL:<span class=\"_ _3e0\"> </span>Financial assets modified during 2023:<span class=\"_ _3e0\"> </span><table class=\"s w120d h16b\" id=\"_1f30137d-464d-49ec-a906-d82d349ba94f\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e8d ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e8d ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1f y4a9c wb35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d20 y4a9c w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d21 y4cb6 w120e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,84<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d22 y4cb6 w120f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(131)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d23 y4a9e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4a9e wda5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,362)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w1210 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">287<span class=\"_ _5\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9f w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d25 y4b3b w4bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,211,181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d26 y4b3b w1212 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d27 y4b46 wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d28 y4b46 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d29 y4aa3 w1213 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,212,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2a y4aa3 w1214 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,547)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified during 2022:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h16b\" id=\"_c0708a43-9de7-4b75-9cd1-01e42b512b37\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e90 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e90 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2b y4a9c w1215 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">621,<span class=\"_ _0\"></span>067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2c y4a9c w1216 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4a9d w310 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,863<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4a9d w1217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,081)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2d y4a9e w1218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2e y4a9e w555 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,524)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2f y4a9f w1219 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">305,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4a9f w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,835)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d31 y4b3b w121a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d32 y4b3b w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d33 y4aa3 w121b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>174,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d34 y4aa3 w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified during 2021:<span class=\"_ _3e0\"> </span><table class=\"s w736 h16b\" id=\"_f5a42214-5014-4af7-aca0-5aa91a147e03\"><tr><td></td><td class=\"t m1 x12ed h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e93 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e93 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d35 y4a9c w121c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d36 y4a9c w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d37 y4a9d w121d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132<span class=\"_ _2\"></span>,638<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d38 y4a9d w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d39 y4a9e w10a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">243,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3a y4a9e wc82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>185)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,896<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3b y4a9f w121e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">(9,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3c y4b3b w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3d y4b3b w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3e y4aa3 w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3f y4aa3 w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr></table>The gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of loans that hav<span class=\"_ _0\"></span>e previously<span class=\"_ _0\"></span> been modified (when they<span class=\"_ _0\"></span> were in Stage 2 or<span class=\"_ _0\"></span> 3) which are no<span class=\"_ _0\"></span>w categorised as Stage 1, with loss allow<span class=\"_ _0\"></span>ance measured at an amount equal to 12 mon<span class=\"_ _0\"></span>ths expected losses, are shown in <span class=\"_ _0\"></span>the table below:<span class=\"_ _3e0\"> </span>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2023<span class=\"_ _3e0\"> </span><table class=\"s w7f3 h16c\" id=\"_4f1af083-351e-43ce-b8e1-0f6c5f23b93f\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e96 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e96 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d41 y4a9c w1221 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _d\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9c w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(255)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4a9d w1222 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,<span class=\"_ _d\"></span>193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d42 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4a9e w1223 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _d\"></span>912<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d43 y4a9e w1224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d44 y4a9f w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d45 y4a9f w1225 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,4<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4b3b w1226 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d46 y4aa3 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d47 y4aa3 w1227 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>53<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2022<span class=\"_ _3e0\"> </span><table class=\"s w1228 h16d\" id=\"_3d754956-620c-4a9c-9e23-6c6e688e6cfd\"><tr><td></td><td class=\"t m1 x10bf h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e98 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e98 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d48 y4a9c w1229 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d49 y4a9c wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4a9d w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72,919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4a9d w122a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(10<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4a9e w1088 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4a y4a9e w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4a9f w122b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4b y4a9f w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(204)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _2\"></span>426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4c y4b3b w3d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4d y4aa3 w122c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4e y4aa3 w122d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2021<span class=\"_ _3e0\"> </span><table class=\"s wf43 h16c\" id=\"_a6bbeb42-90e5-4c8f-a4f8-88e16baa94bb\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e99 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e99 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4f y4a9c w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1169 y4a9c w90c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d50 y4a9d w122e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d51 y4a9d w122f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(231)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d52 y4a9e w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d53 y4a9e wd2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d54 y4a9f w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,063<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d55 y4a9f w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(633)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4b3b wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d56 y4b3b w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d57 y4aa3 wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d58 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr></table>The geographical c<span class=\"_ _0\"></span>oncentration of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assets and liabilities is set out below:<span class=\"_ _3e0\"> </span><table class=\"s w1020 h16e\" id=\"_3933e3c4-9cb3-45b1-8780-fc52d7cff0fa\"><tr><td></td><td></td><td class=\"t m1 x1d59 h77 y4e9a ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d40 h77 y4e9b ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d5a h77 y4e9c ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d5b y4e9d w1230 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5c y4e9d w1231 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x514 y4e9d waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5d y4e9d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e9e ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e01 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5e y4e01 w1232 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,523,046<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5f y4e01 w1233 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d60 y4e01 w1234 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,679<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d61 y4e01 w1235 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e9f w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d62 y4e9f w1236 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d63 y4e9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d64 y4e9f w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d6 y4e9f w224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d65 y4de8 w1237 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,368,87<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d66 y4de8 w110e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,332,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d67 y4de8 w838 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d68 y4de8 w93b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>129,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d69 y4de9 w1238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,532,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4de9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6a y4de9 w1239 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">699,<span class=\"_ _d\"></span>918<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6b y4de9 w123a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e09 w123b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6c y4e09 w123c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,314<span class=\"_ _2\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6d y4e09 w50d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,0<span class=\"_ _0\"></span>31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6e y4e09 w123d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _0\"></span>057<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ee y4e09 wc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540,599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x56b y4d84 w123e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,473,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6f y4d84 w123f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>457<span class=\"_ _d\"></span>,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d70 y4d84 w1240 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,826,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d71 y4d84 w1241 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,757<span class=\"_ _5\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea0 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d0b w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d72 y4d0b w1242 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,880,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4d0b w1243 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>138,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d73 y4d0b w1ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,503,<span class=\"_ _0\"></span>714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d74 y4d0b w1244 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,<span class=\"_ _0\"></span>739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d75 y4d0c w1245 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,369,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d76 y4d0c w1246 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d77 y4d0c wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">529<span class=\"_ _0\"></span>,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d78 y4d0c w74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de0 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4de0 w1247 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d79 y4de0 w1248 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4de0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7a y4de0 wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7b y4ac7 w1249 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4ac7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7c y4ac7 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7d y4ac7 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4aa1 w124b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">396,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149c y4aa1 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4aa1 w124c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7e y4aa1 w22f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">495,681<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1d7f y4aa2 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,048,610<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d80 y4aa2 w124d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,630,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d81 y4aa2 wc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,058,76<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d82 y4aa2 w124e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,737<span class=\"_ _d\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d83 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,42<span class=\"_ _2\"></span>4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d84 y4aa3 w1250 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(172,467)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d85 y4aa3 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,232,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x830 y4aa3 w1f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,019<span class=\"_ _0\"></span>,836<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1251 h16f\" id=\"_42c86c82-2611-4091-a73e-a4721912e6e0\"><tr><td></td><td></td><td class=\"c n x1d86 y4ea1 we48 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1d87 y4ea1 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x4ea h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td><td></td><td></td><td class=\"t m1 x1d88 h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d89 h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td><td></td><td></td><td class=\"t m1 x12ed h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d8a y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8b y4ea4 w1252 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8c y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8d y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8e y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8f y4ea4 w1253 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d90 y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d91 y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea5 ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ea6 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d92 y4ea6 wb49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,508,225<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d93 y4ea6 w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,453,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d94 y4ea6 w7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">622,77<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d95 y4ea6 w1254 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d96 y4ea6 w1255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">836,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d97 y4ea6 w80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">419<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d98 y4ea6 w1256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4ea6 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea7 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ea8 w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d99 y4ea8 w1258 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9a y4ea8 w1259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9b y4ea8 w125a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9c y4ea8 w125b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9d y4ea8 w125c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,922,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9e y4ea8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9f y4ea8 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da0 y4ea8 w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ea9 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da1 y4ea9 w125d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,798,<span class=\"_ _d\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da2 y4ea9 w125e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>436,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da3 y4ea9 w125f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da4 y4ea9 w1260 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da5 y4ea9 wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>477<span class=\"_ _5\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ea9 w1261 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>901<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4ea9 w1262 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da6 y4ea9 w34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eaa ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4eab w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da7 y4eab w1264 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,339<span class=\"_ _0\"></span>,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da8 y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da9 y4eab wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">521,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daa y4eab w37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dab y4eab w1265 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,524,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dac y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dad y4eab we3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dae y4eab w1266 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4eac w123b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daf y4eac w11e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,473,<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db0 y4eac w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,271<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db1 y4eac w1267 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db2 y4eac w1268 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,672,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db3 y4eac w1269 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db4 y4eac w1049 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db5 y4eac w238 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _5\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db6 y4eac weaa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,213,4<span class=\"_ _2\"></span>87<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1db7 y4ead w126a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,478,534<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db8 y4ead w126b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,06<span class=\"_ _2\"></span>4,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db9 y4ead w126c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,358,611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dba y4ead w6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901,900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbb y4ead w126d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,738,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbc y4ead w126e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,568,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbd y4ead w126f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>122,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbe y4ead w1270 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _2\"></span>430,07<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eae ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eaf w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbf y4eaf w1271 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,017<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc0 y4eaf w11d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc1 y4eaf w1272 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,277<span class=\"_ _d\"></span>,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc2 y4eaf w1273 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,39<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc3 y4eaf w1274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>180,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc4 y4eaf wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">894,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc5 y4eaf w1275 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">1<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc6 y4eaf wb8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eb0 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d0c w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc7 y4d0c w1276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,622,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc8 y4d0c w1277 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>142,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc9 y4d0c w1278 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,<span class=\"_ _0\"></span>783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dca y4d0c w75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcb y4d0c w23a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,609<span class=\"_ _0\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcc y4d0c w1279 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,619<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcd y4d0c w127a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dce y4d0c w127b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcf y4ac6 w127c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd0 y4ac6 w127d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd1 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd2 y4ac6 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd3 y4ac6 w127e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">450,<span class=\"_ _d\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd4 y4ac6 w127f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,061,20<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd5 y4ac6 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4ac6 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd6 y4ac7 w1ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd7 y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd8 y4ac7 wce4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd9 y4ac7 w1280 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dda y4ac7 w1281 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddb y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddc y4ac7 w1282 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">2<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac7 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddd y4aa1 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">275,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dde y4aa1 w1283 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddf y4aa1 w1284 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de0 y4aa1 we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">364,590<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de1 y4aa1 w1285 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _0\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de2 y4aa1 w1286 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,29<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de3 y4aa1 w500 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4aa1 we7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">374<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>74<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1de4 y4aa2 w1287 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,328,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de5 y4aa2 w115 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,524,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de6 y4aa2 w1288 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">4,7<span class=\"_ _2\"></span>99,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de7 y4aa2 w8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de8 y4aa2 w1289 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,634,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de9 y4aa2 w128a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,630,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dea y4aa2 wda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,072,<span class=\"_ _0\"></span>123<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1deb y4aa2 w128b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,337<span class=\"_ _d\"></span>,168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dec y4aa3 w128c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>149<span class=\"_ _0\"></span>,813<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ded y4aa3 w144 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">540,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dee y4aa3 w128d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1def y4aa3 wb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,248,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df0 y4aa3 w128e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _2\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4aa3 w128f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,061,581)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df1 y4aa3 wab9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(94<span class=\"_ _0\"></span>9,530<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df2 y4aa3 w1290 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,092,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-728": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs48d\">10.  A<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ts receiv<span class=\"_ _0\"></span>able and other loans<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48e\">In 2016 the Group disbur<span class=\"_ _0\"></span>sed a loan to a client with the purpose <span class=\"_ _0\"></span>to finance the pur<span class=\"_ _0\"></span>chase of an industrial asset fr<span class=\"_ _0\"></span>om one of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48f\">Bank\u2019<span class=\"_ _0\"></span>s defaulted borr<span class=\"_ _0\"></span>owers. <span class=\"_ _0\"></span>As part of the overall <span class=\"_ _0\"></span>financing package, the Gr<span class=\"_ _0\"></span>oup entered int<span class=\"_ _0\"></span>o the dual option agreement <span class=\"_ _0\"></span>with the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs490\">shareholders o<span class=\"_ _0\"></span>f the new borr<span class=\"_ _0\"></span>ower over <span class=\"_ _0\"></span>the shares in the new<span class=\"_ _0\"></span> borrower<span class=\"_ _d\"></span>. A<span class=\"_ _0\"></span> dispute arose over<span class=\"_ _0\"></span> the terms of the c<span class=\"_ _0\"></span>oncluded option </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs491\">agreement. The outst<span class=\"_ _0\"></span>anding legacy claim was settled at <span class=\"_ _0\"></span>the end of 2022 and the Gr<span class=\"_ _0\"></span>oup recognised GEL<span class=\"_ _0\"></span> 391,<span class=\"_ _0\"></span>100 one-off income <span class=\"_ _0\"></span>with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs492\">the respective r<span class=\"_ _0\"></span>eceivable estimated at f<span class=\"_ _0\"></span>air value in its consolidat<span class=\"_ _0\"></span>ed financial statements. On 9 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023 the Gr<span class=\"_ _0\"></span>oup receiv<span class=\"_ _0\"></span>ed part </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs493\">of the set<span class=\"_ _0\"></span>tlement in the amount of GEL<span class=\"_ _0\"></span> 371,<span class=\"_ _0\"></span>922<span class=\"_ _2\"></span>. As f<span class=\"_ _0\"></span>or the outstanding r<span class=\"_ _0\"></span>eceivable, it has been r<span class=\"_ _0\"></span>emeasured at f<span class=\"_ _0\"></span>air value (since <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs494\">final amount to be r<span class=\"_ _0\"></span>eceived is based in part on profitability<span class=\"_ _0\"></span> of the industrial asset) and the Gr<span class=\"_ _0\"></span>oup recognised additional GEL<span class=\"_ _0\"></span> 22,585 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs495\">one-off inc<span class=\"_ _0\"></span>ome in its consolidated financial statements in 2023. <span class=\"_ _0\"></span>The receivable <span class=\"_ _0\"></span>was fully<span class=\"_ _0\"></span> settled on 31 January 2024. <span class=\"_ _0\"></span>The Group does </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs496\">not expect any<span class=\"_ _0\"></span> material tax consequences fr<span class=\"_ _0\"></span>om this settlement in the foreseeable f<span class=\"_ _0\"></span>uture.</div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfAccountsReceivableAndOtherLoans",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-818": {
   "value": "11.  Right-of-us<span class=\"_ _0\"></span>e assets and lease liabilities<span class=\"_ _3e0\"> </span><table class=\"s wc2a h138\" id=\"_829cd236-9062-4e0b-9ac6-3f1baeab72ac\"><tr><td></td><td class=\"c n x8d8 y4d1a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d1a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d1a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126a y4ac9 w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126b y4ac9 w4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126c y4ac9 w4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4aa3 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126e y4aa3 wc2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126f y4aa3 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr></table>Administrativ<span class=\"_ _0\"></span>e expenses include occupancy and r<span class=\"_ _0\"></span>ent expenses on lease c<span class=\"_ _0\"></span>ontracts wher<span class=\"_ _0\"></span>e the recognition e<span class=\"_ _0\"></span>xemptions have been applied:<span class=\"_ _3e0\"> </span><table class=\"s wc2e h11c\" id=\"_84d76061-6ade-4c3b-8fb2-fed91ebe5052\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wc2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Short-term leases<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1270 y4ade wc30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4ade w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,672)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4ade w104 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,982)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wc31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Leases of low-<span class=\"_ _0\"></span>value assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4adf w4fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1272 y4adf w598 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,585)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4adf wc32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x729 y4aa3 w56c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1273 y4aa3 wc33 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1274 y4aa3 wc34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ement in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span><table class=\"s wc35 h139\" id=\"_36a90190-a9db-4596-927c-9d0db886a608\"><tr><td></td><td class=\"t m1 x48d h77 y4d1b ffb fs1d fc1 sc0 ls0 ws0\">Movement in </td></tr><tr><td></td><td class=\"t m1 x1275 h77 y4d1c ffb fs1d fc1 sc0 ls0 wsf9\">liabilities arising </td></tr><tr><td></td><td class=\"t m1 x63b h77 y4d1d ffb fs1d fc1 sc0 ls0 wse4\">from financing </td></tr><tr><td></td><td class=\"t m1 x10c0 h77 y4d1e ffb fs1d fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b31 wc36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 1 January 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1276 y4b31 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1277 y4a96 w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,518)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1278 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4c08 wc38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,242<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127a y4c09 wc3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,039<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127b y4d1f wc3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9a w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127c y4a9a w270 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127d y4a9b wc3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0c w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127e y4c0c wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4a9d wc3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1280 y4d20 wc41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1281 y4c0f wc42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1282 y4b44 wc43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(665<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ade w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4ade wc44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1283 y4adf wc45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1284 y4aa3 wc47 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>O<span class=\"_ _2\"></span>ther movement mainly<span class=\"_ _0\"></span> includes translation eff<span class=\"_ _0\"></span>ect of for<span class=\"_ _0\"></span>eign currency contr<span class=\"_ _0\"></span>acts and cancelled lease contracts<span class=\"_ _3e0\"> </span>The movements in righ<span class=\"_ _0\"></span>t-of-use assets w<span class=\"_ _0\"></span>ere as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wc48 h13a\" id=\"_ac68f858-c411-4b6e-9807-10a48159ebd3\"><tr><td></td><td class=\"t m1 x1285 h77 y4d21 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d23 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d25 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d26 wc49 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d26 w5d2 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d26 wc4a h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128d y4b33 wc4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128f y4b33 w2d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4b34 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1291 y4b34 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1292 y4b34 wc4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,785)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1293 y4b35 wc4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1294 y4b35 wc4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(559)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1295 y4b35 w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,843)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1296 y4d27 wc4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">223,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1297 y4d27 wc50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,774<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1298 y4d27 wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">225,317<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d28 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4d29 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4d29 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4d29 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129b y4cb6 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129c y4cb6 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">315<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129d y4cb6 wc55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129e y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129f y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a0 y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a1 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a2 y4a9f w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a3 y4a9f wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,367)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a4 y4ca8 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">85,523<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a5 y4ca8 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a6 y4ca8 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2a ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4b3c wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4b3c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4b3c wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a9 y4aa3 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12aa y4aa3 wc5b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ab y4aa3 w801 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc5c h13a\" id=\"_31f81135-244a-442a-8b40-85f1a2e6bc45\"><tr><td></td><td class=\"t m1 x1285 h77 y4d2b ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d2d ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2e ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d26 wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d26 w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d26 wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12af y4b33 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b0 y4b33 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b1 y4b33 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>135)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b3 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>135)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4b35 wc61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(949)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b5 y4b35 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(298)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b6 y4b35 w385 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d27 wc49 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d27 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d27 wc4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2f ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d29 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d29 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d29 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ba y4cb6 wc63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bb y4cb6 w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bc y4cb6 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,751<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12be y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bf y4a9f w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c0 y4a9f wc65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(109)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c1 y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(265)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa0 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4aa0 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4aa0 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d30 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4b3c wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4b3c wc67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4b3c w967 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa3 wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4aa3 wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4aa3 wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc68 h13b\" id=\"_513d0990-e042-4519-93b8-c48966de11d8\"><tr><td></td><td class=\"t m1 x1285 h77 y4d31 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d33 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d34 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d34 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d35 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d36 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c5 y4d36 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">115,<span class=\"_ _0\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d36 wc69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>749<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c6 y4d36 wde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">118,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d37 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c7 y4d37 wc6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,728<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c8 y4d37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c9 y4d37 wc6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42<span class=\"_ _2\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d38 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4d38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cb y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d39 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4d39 wc6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cc y4d39 wc6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cd y4d39 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d3a w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d3a wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d3a w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d3a wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d3b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d3c w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4d3c wc6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">3<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4d3c wc70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ce y4d3c wc71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3d wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cf y4d3d wc72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d0 y4d3d w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d1 y4d3d wc73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d2 y4d3e wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>906)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d3 y4d3e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d4 y4d3e w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,906<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d5 y4d3f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d6 y4d3f wc75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d7 y4d3f wc76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d40 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d40 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d40 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d40 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d41 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d42 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d8 y4d42 wc77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d9 y4d42 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12da y4d42 w517 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4aa3 wc66 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4aa3 wc67 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4aa3 w967 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaturityAnalysisOfOperatingLeasePaymentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-805": {
   "value": "11.  Right-of-us<span class=\"_ _0\"></span>e assets and lease liabilities<span class=\"_ _3e0\"> </span><table class=\"s wc2a h138\" id=\"_829cd236-9062-4e0b-9ac6-3f1baeab72ac\"><tr><td></td><td class=\"c n x8d8 y4d1a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d1a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d1a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126a y4ac9 w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126b y4ac9 w4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126c y4ac9 w4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4aa3 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126e y4aa3 wc2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126f y4aa3 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr></table>Administrativ<span class=\"_ _0\"></span>e expenses include occupancy and r<span class=\"_ _0\"></span>ent expenses on lease c<span class=\"_ _0\"></span>ontracts wher<span class=\"_ _0\"></span>e the recognition e<span class=\"_ _0\"></span>xemptions have been applied:<span class=\"_ _3e0\"> </span><table class=\"s wc2e h11c\" id=\"_84d76061-6ade-4c3b-8fb2-fed91ebe5052\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wc2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Short-term leases<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1270 y4ade wc30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4ade w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,672)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4ade w104 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,982)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wc31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Leases of low-<span class=\"_ _0\"></span>value assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4adf w4fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1272 y4adf w598 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,585)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4adf wc32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x729 y4aa3 w56c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1273 y4aa3 wc33 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1274 y4aa3 wc34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ement in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span><table class=\"s wc35 h139\" id=\"_36a90190-a9db-4596-927c-9d0db886a608\"><tr><td></td><td class=\"t m1 x48d h77 y4d1b ffb fs1d fc1 sc0 ls0 ws0\">Movement in </td></tr><tr><td></td><td class=\"t m1 x1275 h77 y4d1c ffb fs1d fc1 sc0 ls0 wsf9\">liabilities arising </td></tr><tr><td></td><td class=\"t m1 x63b h77 y4d1d ffb fs1d fc1 sc0 ls0 wse4\">from financing </td></tr><tr><td></td><td class=\"t m1 x10c0 h77 y4d1e ffb fs1d fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b31 wc36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 1 January 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1276 y4b31 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1277 y4a96 w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,518)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1278 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4c08 wc38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,242<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127a y4c09 wc3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,039<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127b y4d1f wc3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9a w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127c y4a9a w270 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127d y4a9b wc3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0c w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127e y4c0c wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4a9d wc3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1280 y4d20 wc41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1281 y4c0f wc42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1282 y4b44 wc43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(665<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ade w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4ade wc44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1283 y4adf wc45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1284 y4aa3 wc47 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>O<span class=\"_ _2\"></span>ther movement mainly<span class=\"_ _0\"></span> includes translation eff<span class=\"_ _0\"></span>ect of for<span class=\"_ _0\"></span>eign currency contr<span class=\"_ _0\"></span>acts and cancelled lease contracts<span class=\"_ _3e0\"> </span>The movements in righ<span class=\"_ _0\"></span>t-of-use assets w<span class=\"_ _0\"></span>ere as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wc48 h13a\" id=\"_ac68f858-c411-4b6e-9807-10a48159ebd3\"><tr><td></td><td class=\"t m1 x1285 h77 y4d21 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d23 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d25 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d26 wc49 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d26 w5d2 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d26 wc4a h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128d y4b33 wc4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128f y4b33 w2d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4b34 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1291 y4b34 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1292 y4b34 wc4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,785)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1293 y4b35 wc4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1294 y4b35 wc4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(559)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1295 y4b35 w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,843)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1296 y4d27 wc4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">223,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1297 y4d27 wc50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,774<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1298 y4d27 wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">225,317<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d28 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4d29 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4d29 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4d29 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129b y4cb6 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129c y4cb6 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">315<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129d y4cb6 wc55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129e y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129f y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a0 y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a1 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a2 y4a9f w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a3 y4a9f wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,367)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a4 y4ca8 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">85,523<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a5 y4ca8 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a6 y4ca8 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2a ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4b3c wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4b3c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4b3c wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a9 y4aa3 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12aa y4aa3 wc5b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ab y4aa3 w801 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc5c h13a\" id=\"_31f81135-244a-442a-8b40-85f1a2e6bc45\"><tr><td></td><td class=\"t m1 x1285 h77 y4d2b ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d2d ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2e ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d26 wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d26 w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d26 wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12af y4b33 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b0 y4b33 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b1 y4b33 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>135)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b3 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>135)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4b35 wc61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(949)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b5 y4b35 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(298)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b6 y4b35 w385 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d27 wc49 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d27 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d27 wc4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2f ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d29 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d29 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d29 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ba y4cb6 wc63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bb y4cb6 w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bc y4cb6 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,751<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12be y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bf y4a9f w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c0 y4a9f wc65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(109)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c1 y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(265)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa0 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4aa0 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4aa0 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d30 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4b3c wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4b3c wc67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4b3c w967 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa3 wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4aa3 wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4aa3 wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc68 h13b\" id=\"_513d0990-e042-4519-93b8-c48966de11d8\"><tr><td></td><td class=\"t m1 x1285 h77 y4d31 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d33 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d34 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d34 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d35 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d36 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c5 y4d36 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">115,<span class=\"_ _0\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d36 wc69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>749<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c6 y4d36 wde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">118,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d37 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c7 y4d37 wc6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,728<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c8 y4d37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c9 y4d37 wc6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42<span class=\"_ _2\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d38 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4d38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cb y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d39 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4d39 wc6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cc y4d39 wc6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cd y4d39 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d3a w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d3a wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d3a w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d3a wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d3b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d3c w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4d3c wc6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">3<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4d3c wc70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ce y4d3c wc71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3d wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cf y4d3d wc72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d0 y4d3d w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d1 y4d3d wc73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d2 y4d3e wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>906)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d3 y4d3e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d4 y4d3e w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,906<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d5 y4d3f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d6 y4d3f wc75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d7 y4d3f wc76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d40 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d40 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d40 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d40 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d41 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d42 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d8 y4d42 wc77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d9 y4d42 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12da y4d42 w517 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4aa3 wc66 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4aa3 wc67 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4aa3 w967 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasePrepaymentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-777": {
   "value": "11.  Right-of-us<span class=\"_ _0\"></span>e assets and lease liabilities<span class=\"_ _3e0\"> </span><table class=\"s wc2a h138\" id=\"_829cd236-9062-4e0b-9ac6-3f1baeab72ac\"><tr><td></td><td class=\"c n x8d8 y4d1a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d1a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d1a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126a y4ac9 w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126b y4ac9 w4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126c y4ac9 w4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4aa3 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126e y4aa3 wc2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126f y4aa3 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr></table>Administrativ<span class=\"_ _0\"></span>e expenses include occupancy and r<span class=\"_ _0\"></span>ent expenses on lease c<span class=\"_ _0\"></span>ontracts wher<span class=\"_ _0\"></span>e the recognition e<span class=\"_ _0\"></span>xemptions have been applied:<span class=\"_ _3e0\"> </span><table class=\"s wc2e h11c\" id=\"_84d76061-6ade-4c3b-8fb2-fed91ebe5052\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wc2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Short-term leases<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1270 y4ade wc30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4ade w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,672)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4ade w104 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,982)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wc31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Leases of low-<span class=\"_ _0\"></span>value assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4adf w4fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1272 y4adf w598 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,585)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4adf wc32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x729 y4aa3 w56c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1273 y4aa3 wc33 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1274 y4aa3 wc34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ement in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span><table class=\"s wc35 h139\" id=\"_36a90190-a9db-4596-927c-9d0db886a608\"><tr><td></td><td class=\"t m1 x48d h77 y4d1b ffb fs1d fc1 sc0 ls0 ws0\">Movement in </td></tr><tr><td></td><td class=\"t m1 x1275 h77 y4d1c ffb fs1d fc1 sc0 ls0 wsf9\">liabilities arising </td></tr><tr><td></td><td class=\"t m1 x63b h77 y4d1d ffb fs1d fc1 sc0 ls0 wse4\">from financing </td></tr><tr><td></td><td class=\"t m1 x10c0 h77 y4d1e ffb fs1d fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b31 wc36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 1 January 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1276 y4b31 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1277 y4a96 w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,518)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1278 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4c08 wc38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,242<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127a y4c09 wc3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,039<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127b y4d1f wc3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9a w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127c y4a9a w270 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127d y4a9b wc3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0c w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127e y4c0c wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4a9d wc3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1280 y4d20 wc41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1281 y4c0f wc42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1282 y4b44 wc43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(665<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ade w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4ade wc44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1283 y4adf wc45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1284 y4aa3 wc47 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>O<span class=\"_ _2\"></span>ther movement mainly<span class=\"_ _0\"></span> includes translation eff<span class=\"_ _0\"></span>ect of for<span class=\"_ _0\"></span>eign currency contr<span class=\"_ _0\"></span>acts and cancelled lease contracts<span class=\"_ _3e0\"> </span>.<span class=\"_ _3e0\"> </span>The movements in righ<span class=\"_ _0\"></span>t-of-use assets w<span class=\"_ _0\"></span>ere as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wc48 h13a\" id=\"_ac68f858-c411-4b6e-9807-10a48159ebd3\"><tr><td></td><td class=\"t m1 x1285 h77 y4d21 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d23 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d25 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d26 wc49 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d26 w5d2 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d26 wc4a h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128d y4b33 wc4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128f y4b33 w2d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4b34 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1291 y4b34 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1292 y4b34 wc4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,785)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1293 y4b35 wc4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1294 y4b35 wc4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(559)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1295 y4b35 w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,843)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1296 y4d27 wc4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">223,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1297 y4d27 wc50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,774<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1298 y4d27 wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">225,317<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d28 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4d29 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4d29 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4d29 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129b y4cb6 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129c y4cb6 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">315<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129d y4cb6 wc55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129e y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129f y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a0 y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a1 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a2 y4a9f w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a3 y4a9f wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,367)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a4 y4ca8 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">85,523<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a5 y4ca8 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a6 y4ca8 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2a ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4b3c wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4b3c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4b3c wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a9 y4aa3 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12aa y4aa3 wc5b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ab y4aa3 w801 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc5c h13a\" id=\"_31f81135-244a-442a-8b40-85f1a2e6bc45\"><tr><td></td><td class=\"t m1 x1285 h77 y4d2b ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d2d ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2e ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d26 wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d26 w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d26 wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12af y4b33 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b0 y4b33 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b1 y4b33 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>135)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b3 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>135)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4b35 wc61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(949)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b5 y4b35 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(298)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b6 y4b35 w385 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d27 wc49 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d27 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d27 wc4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2f ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d29 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d29 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d29 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ba y4cb6 wc63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bb y4cb6 w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bc y4cb6 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,751<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12be y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bf y4a9f w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c0 y4a9f wc65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(109)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c1 y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(265)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa0 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4aa0 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4aa0 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d30 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4b3c wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4b3c wc67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4b3c w967 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa3 wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4aa3 wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4aa3 wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc68 h13b\" id=\"_513d0990-e042-4519-93b8-c48966de11d8\"><tr><td></td><td class=\"t m1 x1285 h77 y4d31 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d33 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d34 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d34 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d35 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d36 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c5 y4d36 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">115,<span class=\"_ _0\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d36 wc69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>749<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c6 y4d36 wde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">118,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d37 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c7 y4d37 wc6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,728<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c8 y4d37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c9 y4d37 wc6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42<span class=\"_ _2\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d38 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4d38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cb y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d39 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4d39 wc6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cc y4d39 wc6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cd y4d39 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d3a w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d3a wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d3a w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d3a wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d3b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d3c w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4d3c wc6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">3<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4d3c wc70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ce y4d3c wc71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3d wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cf y4d3d wc72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d0 y4d3d w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d1 y4d3d wc73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d2 y4d3e wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>906)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d3 y4d3e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d4 y4d3e w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,906<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d5 y4d3f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d6 y4d3f wc75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d7 y4d3f wc76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d40 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d40 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d40 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d40 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d41 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d42 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d8 y4d42 wc77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d9 y4d42 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12da y4d42 w517 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4aa3 wc66 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4aa3 wc67 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4aa3 w967 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-729": {
   "value": "11.  Right-of-us<span class=\"_ _0\"></span>e assets and lease liabilities<span class=\"_ _3e0\"> </span><table class=\"s wc2a h138\" id=\"_829cd236-9062-4e0b-9ac6-3f1baeab72ac\"><tr><td></td><td class=\"c n x8d8 y4d1a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d1a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d1a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126a y4ac9 w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126b y4ac9 w4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126c y4ac9 w4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4aa3 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126e y4aa3 wc2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126f y4aa3 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr></table>Administrativ<span class=\"_ _0\"></span>e expenses include occupancy and r<span class=\"_ _0\"></span>ent expenses on lease c<span class=\"_ _0\"></span>ontracts wher<span class=\"_ _0\"></span>e the recognition e<span class=\"_ _0\"></span>xemptions have been applied:<span class=\"_ _3e0\"> </span><table class=\"s wc2e h11c\" id=\"_84d76061-6ade-4c3b-8fb2-fed91ebe5052\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wc2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Short-term leases<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1270 y4ade wc30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,872)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4ade w771 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,672)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfe0 y4ade w104 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,982)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wc31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Leases of low-<span class=\"_ _0\"></span>value assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c3 y4adf w4fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1272 y4adf w598 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,585)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa2f y4adf wc32 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x729 y4aa3 w56c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1273 y4aa3 wc33 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1274 y4aa3 wc34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ement in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span><table class=\"s wc35 h139\" id=\"_36a90190-a9db-4596-927c-9d0db886a608\"><tr><td></td><td class=\"t m1 x48d h77 y4d1b ffb fs1d fc1 sc0 ls0 ws0\">Movement in </td></tr><tr><td></td><td class=\"t m1 x1275 h77 y4d1c ffb fs1d fc1 sc0 ls0 wsf9\">liabilities arising </td></tr><tr><td></td><td class=\"t m1 x63b h77 y4d1d ffb fs1d fc1 sc0 ls0 wse4\">from financing </td></tr><tr><td></td><td class=\"t m1 x10c0 h77 y4d1e ffb fs1d fc1 sc0 ls0 ws0\">activities<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4b31 wc36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 1 January 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1276 y4b31 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1277 y4a96 w1d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,518)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1278 y4a97 w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4c08 wc38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,242<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127a y4c09 wc3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(21,039<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127b y4d1f wc3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9a w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127c y4a9a w270 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,<span class=\"_ _0\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127d y4a9b wc3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>151<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0c w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127e y4c0c wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4a9d wc3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(18,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>16)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1280 y4d20 wc41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w26e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash payments f<span class=\"_ _0\"></span>or the principal portion of the lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1281 y4c0f wc42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32,<span class=\"_ _0\"></span>151)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 wc37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Change in accrued inter<span class=\"_ _0\"></span>est<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1282 y4b44 wc43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(665<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ade w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1279 y4ade wc44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wc39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1283 y4adf wc45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,840<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1284 y4aa3 wc47 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>O<span class=\"_ _2\"></span>ther movement mainly<span class=\"_ _0\"></span> includes translation eff<span class=\"_ _0\"></span>ect of for<span class=\"_ _0\"></span>eign currency contr<span class=\"_ _0\"></span>acts and cancelled lease contracts<span class=\"_ _3e0\"> </span><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs498\">The movements in righ<span class=\"_ _0\"></span>t-of-use assets w<span class=\"_ _0\"></span>ere as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs468\"><table class=\"s wc48 h13a\" id=\"_ac68f858-c411-4b6e-9807-10a48159ebd3\"><tr><td></td><td class=\"t m1 x1285 h77 y4d21 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d22 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d23 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d25 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d26 wc49 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d26 w5d2 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d26 wc4a h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128d y4b33 wc4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128f y4b33 w2d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4b34 w274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,<span class=\"_ _0\"></span>785)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1291 y4b34 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1292 y4b34 wc4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,785)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1293 y4b35 wc4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1294 y4b35 wc4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(559)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1295 y4b35 w80c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,843)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1296 y4d27 wc4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">223,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1297 y4d27 wc50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,774<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1298 y4d27 wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">225,317<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d28 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4d29 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4d29 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4d29 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129b y4cb6 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129c y4cb6 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">315<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129d y4cb6 wc55 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129e y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129f y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a0 y4a9e wc56 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _d\"></span>100)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a1 y4a9f w118 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,051)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a2 y4a9f w1a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a3 y4a9f wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,367)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a4 y4ca8 waf0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">85,523<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a5 y4ca8 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a6 y4ca8 w8e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2a ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4b3c wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4b3c wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4b3c wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a9 y4aa3 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12aa y4aa3 wc5b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ab y4aa3 w801 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs499\"><table class=\"s wc5c h13a\" id=\"_31f81135-244a-442a-8b40-85f1a2e6bc45\"><tr><td></td><td class=\"t m1 x1285 h77 y4d2b ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d2c ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d2d ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d24 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d24 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2e ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d26 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d26 wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d26 w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d26 wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12af y4b33 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b0 y4b33 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b1 y4b33 w6b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,231<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b34 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>135)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x466 y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b3 y4b34 wc60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>135)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4b35 wc61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(949)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b5 y4b35 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(298)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b6 y4b35 w385 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,247)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4d27 wc49 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">181,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128b y4d27 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128c y4d27 wc4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d2f ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d29 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d29 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d29 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d29 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4cb6 wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ba y4cb6 wc63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bb y4cb6 w6ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bc y4cb6 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,751<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b2 y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12be y4a9e wc64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,838)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bf y4a9f w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(156)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c0 y4a9f wc65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(109)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c1 y4a9f w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(265)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa0 wc52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,<span class=\"_ _0\"></span>073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1299 y4aa0 w5ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x129a y4aa0 wc53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>173<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d30 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4b3c wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4b3c wc67 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4b3c w967 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd5f y4aa3 wc58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,<span class=\"_ _0\"></span>154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a7 y4aa3 wa51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12a8 y4aa3 wc59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs49a\"><table class=\"s wc68 h13b\" id=\"_513d0990-e042-4519-93b8-c48966de11d8\"><tr><td></td><td class=\"t m1 x1285 h77 y4d31 ffb fs1d fc1 sc0 ls0 ws0\">Office buildings </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x5d6 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x1286 h77 y4d32 ffb fs1d fc1 sc0 ls0 ws0\">Computers and </td><td></td></tr><tr><td></td><td class=\"t m1 x1287 h77 y4d33 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"c n x1288 y4d34 wd9 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1289 y4d34 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d35 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d36 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c5 y4d36 w640 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">115,<span class=\"_ _0\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1110 y4d36 wc69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>749<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c6 y4d36 wde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">118,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d37 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c7 y4d37 wc6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,728<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c8 y4d37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c9 y4d37 wc6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42<span class=\"_ _2\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d38 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1290 y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4d38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cb y4d38 wc6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,478)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d39 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b4 y4d39 wc6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(140<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cc y4d39 wc6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(118)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cd y4d39 w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d3a w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ac y4d3a wc5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,080<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ad y4d3a w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ae y4d3a wc5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">129,<span class=\"_ _0\"></span>711<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d3b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d3c w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe06 y4d3c wc6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">3<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4d3c wc70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ce y4d3c wc71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3d wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cf y4d3d wc72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d0 y4d3d w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d1 y4d3d wc73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,016<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d2 y4d3e wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>906)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d3 y4d3e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d4 y4d3e w8b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,906<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d3f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d5 y4d3f w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d6 y4d3f wc75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d7 y4d3f wc76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>96)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d40 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b7 y4d40 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4d40 w808 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4d40 wc62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d41 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d42 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d8 y4d42 wc77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12d9 y4d42 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,233<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12da y4d42 w517 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,208<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c2 y4aa3 wc66 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">78,419<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c3 y4aa3 wc67 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls89 wsc3\">1,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12c4 y4aa3 w967 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-730": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws20 gs49c\">12. <span class=\"_ _84\"> </span>Foreclos<span class=\"_ _0\"></span>ed Assets<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s w736 h13c\" id=\"_efd0172c-bfbc-4031-b7cb-c0dbc9f3cd09\"><tr><td></td><td class=\"c n x1ca y4d43 wc78 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsfa\">Foreclosed A<span class=\"_ _0\"></span>ssets<span class=\"_ _119\"> </span><span class=\"ws0\">2023<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x12db y4d43 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12dc y4d43 wc79 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4e wc7a hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 wsfb\">At 1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12dd y4b4e wc7b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf82 y4b4e wc7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12de y4b4e wc7d hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4bb y4b41 w801 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">239,872<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12df y4b41 wc7e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,<span class=\"_ _d\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa85 y4b41 wc7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,587<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbb y4b42 wc80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(77<span class=\"_ _d\"></span>,324)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e0 y4b42 wc81 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,063<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e1 y4b42 wc82 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>168)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wc83 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-down<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc73 y4b43 w77e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a4 y4b43 wc84 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,39<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e2 y4b43 w3d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(192)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wc85 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to property and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e3 y4b44 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,516)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc10 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x124c y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wc86 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e4 y4b45 w104 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,428)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e5 y4b46 wc87 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>702)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x913 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4aa3 wc89 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _2\"></span>1,712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e7 y4aa3 wc8a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e8 y4aa3 w173 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,216</div></td></tr></table></div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfForeclosedAssets",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-731": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs49f\">13.  Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4a0\">The movements in pr<span class=\"_ _0\"></span>operty and equipment wer<span class=\"_ _0\"></span>e as follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs4a1\"><table class=\"s wb9 h13d\" id=\"_49577074-9daf-4e66-b1a5-8d836be1ab1c\"><tr><td></td><td class=\"t m1 x12e9 h77 y4d44 ffb fs1d fc1 sc0 ls0 ws0\">Office </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4d45 ffb fs1d fc1 sc0 ls0 ws0\">buildings </td><td></td><td class=\"t m1 x5b7 h77 y4d45 ffb fs1d fc1 sc0 ls0 ws0\">Computers </td><td></td><td class=\"t m1 x48e h77 y4d45 ffb fs1d fc1 sc0 ls0 ws0\">Leasehold </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12eb h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x728 h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">Furniture </td><td class=\"t m1 x5d5 h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">and </td><td class=\"t m1 x12ec h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">Motor </td><td class=\"t m1 x4e7 h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">improv<span class=\"_ _0\"></span>e-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ed h77 y4d46 ffb fs1d fc1 sc0 ls0 ws0\">Assets under </td><td></td></tr><tr><td></td><td class=\"t m1 x12ee h77 y4d47 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ef h77 y4d47 ffb fs1d fc1 sc0 ls0 wse4\">and fixtures<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4f5 h77 y4d47 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f0 h77 y4d47 ffb fs1d fc1 sc0 ls0 ws0\">vehicles<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f1 h77 y4d47 ffb fs1d fc1 sc0 ls0 ws0\">ments<span class=\"_ _3e0\"> </span></td><td class=\"c n x12f2 y4d48 wc8b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f3 y4d48 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d49 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d4a w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f4 y4d4a wc8c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">235,249<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f5 y4d4a wc8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">193,10<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f6 y4d4a wc8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">279<span class=\"_ _0\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f7 y4d4a wc8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f8 y4d4a wc90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,084<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f9 y4d4a wc91 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12fa y4d4a wc92 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">750,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a88 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12fb y4a88 wc93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12fc y4a88 wc94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,363<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12fd y4a88 wc95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12fe y4a88 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,573<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ff y4a88 w1b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,6<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1300 y4a88 w9d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">17<span class=\"_ _0\"></span>,769<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1301 y4a88 wc96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a89 wc97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1302 y4a89 wc98 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1303 y4a89 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1304 y4a89 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,059<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1305 y4a89 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1306 y4a89 wc99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,507<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1307 y4a89 wc9a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _d\"></span>123)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1308 y4a89 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a8a wc9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1309 y4a8a wc9c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130a y4a8a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130b y4a8a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130c y4a8a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130d y4a8a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130e y4a8a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x130f y4a8a w6b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(6<span class=\"_ _39\"></span>41)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a8b wc9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to assets held for<span class=\"_ _0\"></span> sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1310 y4a8b wc9e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,363<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1311 y4a8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1312 y4a8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1313 y4a8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1314 y4a8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1315 y4a8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1316 y4a8b w43c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,363<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a8c wc9f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">T<span class=\"_ _d\"></span>ransfers f<span class=\"_ _0\"></span>rom f<span class=\"_ _0\"></span>oreclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1317 y4a8c wca0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1318 y4a8c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1319 y4a8c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131a y4a8c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131b y4a8c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131c y4a8c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131d y4a8c wca1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,516<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a8d wca2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers (t<span class=\"_ _0\"></span>o) <span class=\"_ _0\"></span>from other as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131e y4a8d wca3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x131f y4a8d wca4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,421)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1320 y4a8d wca5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,714)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1321 y4a8d wca6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(207)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1322 y4a8d w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1323 y4a8d w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(243)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1324 y4a8d wca7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,680)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d4b w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1325 y4d4b w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1326 y4d4b wca8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(273)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1327 y4d4b wca9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(3<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>070)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1328 y4d4b w2b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(6<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1329 y4d4b wcaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(222)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132a y4d4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132b y4d4b w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,251)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2b w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132c y4b2b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132d y4b2b wcab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(208)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132e y4b2b wcac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(73)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132f y4b2b w4af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(284)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1330 y4b2b wcad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>979)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1331 y4b2b w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,088)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1332 y4b2b w65a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,632)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4b2c wcae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1333 y4b2c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1334 y4b2c w4a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1335 y4b2c wcaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1336 y4b2c w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1337 y4b2c w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1338 y4b2c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1339 y4b2c w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">350<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d4c w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133a y4d4c w116 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,661)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133b y4d4c w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(452)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133c y4d4c w6ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>128)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133d y4d4c w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133e y4d4c w78b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(402)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x133f y4d4c wcb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1340 y4d4c w2b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,818)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d4d w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1341 y4d4d wcb1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">258,050<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1342 y4d4d wcb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">216,17<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1343 y4d4d wcb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">296,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1344 y4d4d wcb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">12<span class=\"_ _2\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1345 y4d4d wcb5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,65<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1346 y4d4d wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1347 y4d4d wcb6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">826,795<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d4e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d4f w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1348 y4d4f w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1349 y4d4f wcb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134a y4d4f wcb8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134b y4d4f wcb9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134c y4d4f w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134d y4d4f w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12de y4d4f w169 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a95 wcba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134e y4a95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134f y4a95 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1350 y4a95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1351 y4a95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1352 y4a95 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1353 y4a95 wcbb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1354 y4a95 w951 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">789<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d50 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1355 y4d50 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1356 y4d50 w1cc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">55<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1357 y4d50 wcbc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1358 y4d50 wcb9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1359 y4d50 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135a y4d50 wcbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsb ws27\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135b y4d50 wcbe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d51 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d52 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135c y4d52 waaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135d y4d52 w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _2\"></span>415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135e y4d52 w3ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">177<span class=\"_ _d\"></span>,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135f y4d52 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1360 y4d52 wcbf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1361 y4d52 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1362 y4d52 wcc0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">348,625<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cbf wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1363 y4cbf wcc1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1364 y4cbf wcc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,825<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1365 y4cbf w6e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1366 y4cbf wcc3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1367 y4cbf w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1368 y4cbf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1369 y4cbf wcc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,795<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb3 wc9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136a y4cb3 wcc5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136b y4cb3 w7c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136c y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136d y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136e y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x136f y4cb3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1370 y4cb3 waaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(226)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb4 wc9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to assets held for<span class=\"_ _0\"></span> sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1371 y4cb4 wcc6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>065)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1372 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1373 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1374 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1375 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1376 y4cb4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1377 y4cb4 w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,065)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9b wcc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1378 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1379 y4a9b wcc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137a y4a9b w45a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,526)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137b y4a9b w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(<span class=\"_ _2\"></span>203)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137c y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137d y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137e y4a9b w771 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,725)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9c w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x137f y4a9c wafc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1380 y4a9c w54b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(1<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1381 y4a9c wcc9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,4<span class=\"_ _2\"></span>65)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1382 y4a9c wcca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1383 y4a9c w788 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(217)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1384 y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1385 y4a9c wccb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,334)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb6 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1386 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1387 y4cb6 wbb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(542)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1388 y4cb6 wb2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1389 y4cb6 wccc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(85)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138a y4cb6 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>967)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138b y4cb6 wccd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>70)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138c y4cb6 w8fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">(4<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9e wcae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1333 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138d y4a9e w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138e y4a9e w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x138f y4a9e w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1390 y4a9e wdc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1391 y4a9e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1392 y4a9e wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1393 y4a9f wcce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,272)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1394 y4a9f w90c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(211)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1395 y4a9f wccf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(96<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1396 y4a9f w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1397 y4a9f w670 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(165)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1398 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1399 y4a9f wcd0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,6<span class=\"_ _2\"></span>43)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x77e y4aa0 wcd1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139a y4aa0 wcd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">131,30<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139b y4aa0 wcd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">199,886<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139c y4aa0 wc1b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139d y4aa0 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x230 y4aa0 wcd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(7<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139e y4aa0 w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">386,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d53 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139f y4b3c w39f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">201,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a0 y4b3c wcd5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>1,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a1 y4b3c wcd6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,<span class=\"_ _0\"></span>901<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a2 y4b3c w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>106<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a3 y4b3c wcd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a4 y4b3c wcd8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a5 y4b3c w357 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a6 y4aa3 wcd9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">221,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a7 y4aa3 wcda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">84,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a8 y4aa3 wb91 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">96,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a9 y4aa3 wcdb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13aa y4aa3 wcdc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ab y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ac y4aa3 wb35 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">436,9<span class=\"_ _0\"></span>55<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wcdd h13e\" id=\"_ceedde8e-36b1-4f34-a49c-4835ad28a239\"><tr><td></td><td class=\"t m1 x12e9 h77 y4d54 ffb fs1d fc1 sc0 ls0 ws0\">Office </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4d55 ffb fs1d fc1 sc0 ls0 ws0\">buildings </td><td></td><td class=\"t m1 x5b7 h77 y4d55 ffb fs1d fc1 sc0 ls0 ws0\">Computers </td><td></td><td class=\"t m1 x48e h77 y4d55 ffb fs1d fc1 sc0 ls0 ws0\">Leasehold </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12eb h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x728 h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">Furniture </td><td class=\"t m1 x5d5 h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">and </td><td class=\"t m1 x12ec h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">Motor </td><td class=\"t m1 x4e7 h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">improv<span class=\"_ _0\"></span>e-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ed h77 y4d56 ffb fs1d fc1 sc0 ls0 ws0\">Assets under </td><td></td></tr><tr><td></td><td class=\"t m1 x12ee h77 y4d57 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ef h77 y4d57 ffb fs1d fc1 sc0 ls0 wse4\">and fixtures<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4f5 h77 y4d57 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f0 h77 y4d57 ffb fs1d fc1 sc0 ls0 ws0\">vehicles<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f1 h77 y4d57 ffb fs1d fc1 sc0 ls0 ws0\">ments<span class=\"_ _3e0\"> </span></td><td class=\"c n x12f2 y4d58 wc8b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f3 y4d58 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d59 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d5a w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ad y4d5a wa38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">216,897</div></td><td class=\"c n x13ae y4d5a w936 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">188,890</div></td><td class=\"c n x13af y4d5a wcde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">252<span class=\"_ _2\"></span>,861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b0 y4d5a wcdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,911</div></td><td class=\"c n x13b1 y4d5a wce0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b2 y4d5a wce1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,680</div></td><td class=\"c n x13b3 y4d5a wce2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">696,567<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a8d w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b4 y4a8d wce3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">171</div></td><td class=\"c n x13b5 y4a8d wce4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,853<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b6 y4a8d w699 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b7 y4a8d wce5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,860<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b8 y4a8d wce6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119</div></td><td class=\"c n x13b9 y4a8d w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,043<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ba y4a8d w549 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2a wc97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bb y4b2a w76d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,333<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bc y4b2a w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bd y4b2a w6c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13be y4b2a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4b2a w3d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,804</div></td><td class=\"c n x13c0 y4b2a wce7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,583)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c1 y4b2a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2b wc9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c2 y4b2b wce8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">76<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c3 y4b2b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c4 y4b2b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c5 y4b2b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c6 y4b2b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c7 y4b2b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c8 y4b2b w8d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">769<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2c wcc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c9 y4b2c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ca y4b2c wce9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,5<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1)</div></td><td class=\"c n x13cb y4b2c w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>135)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13cc y4b2c w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(265)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13cd y4b2c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ce y4b2c w81f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(231)</div></td><td class=\"c n x13cf y4b2c w9af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,202)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2d w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d0 y4b2d wcea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,011)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d1 y4b2d waf4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(135)</div></td><td class=\"c n x13d2 y4b2d wceb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,507)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d3 y4b2d w70f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(48<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d4 y4b2d w871 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d5 y4b2d w3be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)</div></td><td class=\"c n x13d6 y4b2d wcec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>170<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13d7 y4b2e w5ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(29)</div></td><td class=\"c n x13d8 y4b2e wced hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,750)</div></td><td class=\"c n x13d9 y4b2e w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,513)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13da y4b2e w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(241)</div></td><td class=\"c n x13db y4b2e w916 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,053)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13dc y4b2e wcee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>14<span class=\"_ _2\"></span>6)</div></td><td class=\"c n x13dd y4b2e wcef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,732)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b2f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13de y4b2f wcf0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,881)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13df y4b2f w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(216)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e0 y4b2f wcf1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(812)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e1 y4b2f wa00 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e2 y4b2f w1be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(87)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e3 y4b2f wa97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)</div></td><td class=\"c n x13e4 y4b2f wa37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,050)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d5b w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f4 y4d5b wc8c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">235,249</div></td><td class=\"c n x12f5 y4d5b wc8d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">193,10<span class=\"_ _0\"></span>3</div></td><td class=\"c n x12f6 y4d5b wc8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">279<span class=\"_ _0\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f7 y4d5b wc8f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,729</div></td><td class=\"c n x12f8 y4d5b wc90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,084<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f9 y4d5b wc91 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,755</div></td><td class=\"c n x12fa y4d5b wc92 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">750,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d5c ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d5d w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e5 y4d5d w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e6 y4d5d wcb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e7 y4d5d wcb8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e8 y4d5d wcb9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e9 y4d5d w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ea y4d5d w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13eb y4d5d wcf2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,699<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d5e w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1348 y4d5e w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1349 y4d5e wcb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134a y4d5e wcb8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134b y4d5e wcb9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134c y4d5e w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x134d y4d5e w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12de y4d5e w169 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d5f ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d60 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ec y4d60 wcf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,859</div></td><td class=\"c n x13ed y4d60 w151 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">113,39<span class=\"_ _2\"></span>9</div></td><td class=\"c n x13ee y4d60 wcf4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">154,<span class=\"_ _0\"></span>941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ef y4d60 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,095</div></td><td class=\"c n x13f0 y4d60 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,766<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f1 y4d60 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x13f2 y4d60 wcf6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">315,060<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb3 wc54 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f3 y4cb3 wcf7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f4 y4cb3 wcf8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,814</div></td><td class=\"c n x13f5 y4cb3 wcf9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f6 y4cb3 wcfa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,07<span class=\"_ _d\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f7 y4cb3 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f8 y4cb3 w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">146</div></td><td class=\"c n x13f9 y4cb3 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb4 wc97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13fa y4cb4 wcfb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(13)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13fb y4cb4 wcfc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13fc y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13fd y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13fe y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ff y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1400 y4cb4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9b wc9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1401 y4a9b w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(155)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1402 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1403 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1404 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1405 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1406 y4a9b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1407 y4a9b wcfd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(155)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9c wcc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1378 y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1408 y4a9c wcfe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(9<span class=\"_ _2\"></span>16)</div></td><td class=\"c n x1409 y4a9c wcff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _2\"></span>479<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140a y4a9c wd00 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(230)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140b y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140c y4a9c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140d y4a9c w86e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,625)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4cb6 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140e y4cb6 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(795)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x140f y4cb6 w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(183)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1410 y4cb6 wd01 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(998<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1411 y4cb6 wd02 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1412 y4cb6 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1413 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1414 y4cb6 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>177)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1415 y4a9e w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2</div></td><td class=\"c n x1416 y4a9e w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,598)</div></td><td class=\"c n x1417 y4a9e wa08 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,473)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1418 y4a9e w85e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _0\"></span>)</div></td><td class=\"c n x1419 y4a9e w2de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>9)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141a y4a9e wd04 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6)</div></td><td class=\"c n x141b y4a9e wd05 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,37<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141c y4a9f wbbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(851)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141d y4a9f w976 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141e y4a9f w70f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(46<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141f y4a9f w83a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1420 y4a9f w78d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1421 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1422 y4a9f wd06 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,524<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135c y4ca8 waaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,325</div></td><td class=\"c n x135d y4ca8 w1c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _2\"></span>415</div></td><td class=\"c n x135e y4ca8 w3ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">177<span class=\"_ _d\"></span>,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x135f y4ca8 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,615</div></td><td class=\"c n x1360 y4ca8 wcbf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1361 y4ca8 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x1362 y4ca8 wcc0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">348,625<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d61 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1423 y4b3c w95a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">185,481</div></td><td class=\"c n x1424 y4b3c wd07 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">75,455</div></td><td class=\"c n x1425 y4b3c w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1426 y4b3c wd08 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,808</div></td><td class=\"c n x1427 y4b3c wd09 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1428 y4b3c wd0a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,680</div></td><td class=\"c n x1429 y4b3c w5a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">378,808<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x139f y4aa3 w39f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">201,367</div></td><td class=\"c n x13a0 y4aa3 wcd5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>1,652</div></td><td class=\"c n x13a1 y4aa3 wcd6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,<span class=\"_ _0\"></span>901<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a2 y4aa3 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>106</div></td><td class=\"c n x13a3 y4aa3 wcd7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,07<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13a4 y4aa3 wcd8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,755</div></td><td class=\"c n x13a5 y4aa3 w357 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs4a3\"><table class=\"s wd0b h13f\" id=\"_8ca2963c-162e-4f81-9d82-0ec8896f5371\"><tr><td></td><td class=\"t m1 x12e9 h77 y4d62 ffb fs1d fc1 sc0 ls0 ws0\">Office </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4d63 ffb fs1d fc1 sc0 ls0 ws0\">buildings </td><td></td><td class=\"t m1 x5b7 h77 y4d63 ffb fs1d fc1 sc0 ls0 ws0\">Computers </td><td></td><td class=\"t m1 x48e h77 y4d63 ffb fs1d fc1 sc0 ls0 ws0\">Leasehold </td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x12eb h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">and service </td><td class=\"t m1 x728 h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">Furniture </td><td class=\"t m1 x5d5 h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">and </td><td class=\"t m1 x12ec h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">Motor </td><td class=\"t m1 x4e7 h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">improv<span class=\"_ _0\"></span>e-<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ed h77 y4d64 ffb fs1d fc1 sc0 ls0 ws0\">Assets under </td><td></td></tr><tr><td></td><td class=\"t m1 x12ee h77 y4d65 ffb fs1d fc1 sc0 ls0 ws0\">centres<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ef h77 y4d65 ffb fs1d fc1 sc0 ls0 wse4\">and fixtures<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4f5 h77 y4d65 ffb fs1d fc1 sc0 ls0 ws0\">equipment<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f0 h77 y4d65 ffb fs1d fc1 sc0 ls0 ws0\">vehicles<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f1 h77 y4d65 ffb fs1d fc1 sc0 ls0 ws0\">ments<span class=\"_ _3e0\"> </span></td><td class=\"c n x12f2 y4d66 wc8b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f3 y4d66 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d67 ffb fs8 fc1 sc0 ls35 ws63\">Cost<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d68 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x142a y4d68 wd0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">216,795</div></td><td class=\"c n x142b y4d68 wa2f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">178,481</div></td><td class=\"c n x142c y4d68 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">231,<span class=\"_ _2\"></span>436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x142d y4d68 wbc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,768</div></td><td class=\"c n x142e y4d68 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>4,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1069 y4d68 wd0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,732</div></td><td class=\"c n x142f y4d68 w6c1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">672,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d69 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1430 y4d69 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1431 y4d69 w8f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>958</div></td><td class=\"c n x1432 y4d69 wadf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,048<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1433 y4d69 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1434 y4d69 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1435 y4d69 wd0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>171</div></td><td class=\"c n x1436 y4d69 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,229<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6a wc97 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1437 y4d6a w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,408<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1438 y4d6a wd10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1439 y4d6a w8d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">976<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x143a y4d6a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x143b y4d6a wd11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,493</div></td><td class=\"c n x143c y4d6a wd12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x143d y4d6a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6b wc9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x143e y4d6b wd13 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>175)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x143f y4d6b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1440 y4d6b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1441 y4d6b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1442 y4d6b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1443 y4d6b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1444 y4d6b wd14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>175)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6c wc9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to assets held for<span class=\"_ _0\"></span> sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1445 y4d6c wd15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,245<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c3 y4d6c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c4 y4d6c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c5 y4d6c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c6 y4d6c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c7 y4d6c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1446 y4d6c wbc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,245<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6d wcc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13c9 y4d6d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1447 y4d6d wd16 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(9<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>8)</div></td><td class=\"c n x1448 y4d6d wa6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,6<span class=\"_ _2\"></span>47)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1449 y4d6d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x144a y4d6d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x144b y4d6d w5d9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(183)</div></td><td class=\"c n x144c y4d6d wd17 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _d\"></span>,828)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6e w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x144d y4d6e wd18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x144e y4d6e wd19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(433)</div></td><td class=\"c n x144f y4d6e wd1a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,719)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1450 y4d6e waaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(224)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1451 y4d6e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1452 y4d6e wac7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>6)</div></td><td class=\"c n x1453 y4d6e wa96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>186)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d6f w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x132c y4d6f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1454 y4d6f wd1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1455 y4d6f wb14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1456 y4d6f w78b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(602)</div></td><td class=\"c n x1457 y4d6f wd1c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,416)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1458 y4d6f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x1459 y4d6f w8f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,090<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4d70 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145a y4d70 w5c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(66<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145b y4d70 wd1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(50)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145c y4d70 wd1e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(232)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145d y4d70 w9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145e y4d70 w86b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(3<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x145f y4d70 w7ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(114)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1460 y4d70 wd1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>115)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d71 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ad y4d71 wa38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">216,897</div></td><td class=\"c n x13ae y4d71 w936 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">188,890</div></td><td class=\"c n x13af y4d71 wcde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">252<span class=\"_ _2\"></span>,861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b0 y4d71 wcdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,911</div></td><td class=\"c n x13b1 y4d71 wce0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13b2 y4d71 wce1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,680</div></td><td class=\"c n x13b3 y4d71 wce2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">696,567<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d72 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d36 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1461 y4d36 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d36 wcb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1462 y4d36 wd20 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1463 y4d36 wd21 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1464 y4d36 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1465 y4d36 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1466 y4d36 w169 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d73 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e5 y4d73 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e6 y4d73 wcb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e7 y4d73 wcb8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">98<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e8 y4d73 wcb9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13e9 y4d73 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ea y4d73 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13eb y4d73 wcf2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,699<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d74 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated depr<span class=\"_ _0\"></span>eciation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d75 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1467 y4d75 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,216</div></td><td class=\"c n x1468 y4d75 wd22 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,137</div></td><td class=\"c n x1469 y4d75 wd23 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">133,<span class=\"_ _0\"></span>958<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x146a y4d75 wd24 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,833</div></td><td class=\"c n x146b y4d75 wd25 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x146c y4d75 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x146d y4d75 w574 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">281,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d76 wc54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Depreciation char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x146e y4d76 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,201<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x146f y4d76 wd26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>916</div></td><td class=\"c n x1470 y4d76 wd27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1471 y4d76 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1472 y4d76 w1b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1473 y4d76 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1474 y4d76 wd28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>163<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d77 wc9b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1475 y4d77 wd29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1372 y4d77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1373 y4d77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1374 y4d77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1375 y4d77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1376 y4d77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1476 y4d77 wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(238)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d78 wcc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1378 y4d78 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1477 y4d78 wa4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,224)</div></td><td class=\"c n x1478 y4d78 wd2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,6<span class=\"_ _2\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1479 y4d78 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x147a y4d78 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x147b y4d78 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x147c y4d78 wd2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,867)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d3d w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x147d y4d3d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x147e y4d3d wd2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(318)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x147f y4d3d wd2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(9<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1480 y4d3d wccc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(85)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1481 y4d3d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1482 y4d3d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1483 y4d3d w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,364)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d3e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1415 y4d3e wd2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1484 y4d3e w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1485 y4d3e w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1486 y4d3e wd2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>76)</div></td><td class=\"c n x1487 y4d3e wd30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>416<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1488 y4d3e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x1489 y4d3e wd31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,035)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x28b y4d3f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x141c y4d3f wd32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>74)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x878 y4d3f wa06 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(61<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148a y4d3f wd33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(<span class=\"_ _2\"></span>16<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148b y4d3f w81a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls41 ws6d\">(8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148c y4d3f w871 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148d y4d3f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148e y4d3f w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(536)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d40 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ec y4d40 wcf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,859</div></td><td class=\"c n x13ed y4d40 w151 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">113,39<span class=\"_ _2\"></span>9</div></td><td class=\"c n x13ee y4d40 wcf4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">154,<span class=\"_ _0\"></span>941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ef y4d40 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,095</div></td><td class=\"c n x13f0 y4d40 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,766<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f1 y4d40 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x13f2 y4d40 wcf6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">315,060<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d79 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa2 w178 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x148f y4aa2 wd34 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">189<span class=\"_ _0\"></span>,022</div></td><td class=\"c n x1490 y4aa2 wd35 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">76,308</div></td><td class=\"c n x1491 y4aa2 wd36 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1492 y4aa2 wd37 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">2,927</div></td><td class=\"c n x1493 y4aa2 wd38 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,482<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1494 y4aa2 w93 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">4,732</div></td><td class=\"c n x1495 y4aa2 wd39 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">387<span class=\"_ _d\"></span>,851<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1423 y4aa3 w95a h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">185,481</div></td><td class=\"c n x1424 y4aa3 wd07 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">75,455</div></td><td class=\"c n x1425 y4aa3 w29c h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1426 y4aa3 wd08 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,808</div></td><td class=\"c n x1427 y4aa3 wd09 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">15,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1428 y4aa3 wd0a h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,680</div></td><td class=\"c n x1429 y4aa3 w5a1 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">378,808</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-732": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs4a5\">14.  Intangible assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4a6\">The movements in in<span class=\"_ _0\"></span>tangible assets were as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s w815 h140\" id=\"_769ae679-240e-4b74-9c48-29422b42b0b0\"><tr><td></td><td class=\"t m1 x1496 h77 y4d7a ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d7b wd3a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d7b wd3b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d7b w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d7c ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d7d w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1499 y4d7d wd3c h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">247<span class=\"_ _5\"></span>,9<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149a y4d7d wd3d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _0\"></span>,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149b y4d7d wd3e h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">275,392<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2e w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149c y4b2e wd3f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149d y4b2e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149e y4b2e w4f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,568<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2f w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bf y4b2f w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,321)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b2f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149f y4b2f w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,321)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4d7e wc22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,258)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4d7e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a1 y4d7e w880 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a2 y4d7f waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>3,560)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4d7f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4d7f w916 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,560)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d80 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a4 y4d80 wd40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1,341<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a5 y4d80 wd41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a6 y4d80 wd42 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">318,821<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d81 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d82 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a7 y4d82 wd43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a8 y4d82 wd44 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wcba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a9 y4c09 wd45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,201<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4c09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4c09 w4ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,201<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ab y4d1f w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4d1f w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ac y4d1f w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,559<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d83 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4d84 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ae y4d84 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,9<span class=\"_ _0\"></span>64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4d84 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">123,593<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c wd47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4a9c wd48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b0 y4a9c wd49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b1 y4a9c w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b2 y4a9d wd4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,815)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b3 y4a9d wd4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,815)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b4 y4a9e w49d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,261)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b5 y4a9e wd4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,261)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b6 y4a9f w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b7 y4a9f wd4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>139)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b8 y4aa0 wd4d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">140,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b9 y4aa0 wd4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ba y4aa0 wd4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,400<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d85 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa2 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4aa2 wa6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bb y4aa2 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>1,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bc y4aa2 wd51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bd y4aa3 w7d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14be y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bf y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs4a7\"><table class=\"s wd52 h140\" id=\"_43e356ca-8cb3-4b1d-bdfb-06f151c0aece\"><tr><td></td><td class=\"t m1 x1496 h77 y4d86 ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d7b wd3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d7b wd3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d7b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d87 ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d88 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c0 y4d88 wd53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c1 y4d88 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c2 y4d88 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>46,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2e w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c3 y4b2e wb16 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c4 y4b2e wd55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c5 y4b2e wd56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2f w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c6 y4b2f wd57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,331)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b2f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c7 y4b2f w738 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,331)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b30 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c8 y4b30 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,889)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c9 y4b30 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ca y4b30 wd58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x497 y4d7f w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,4<span class=\"_ _0\"></span>16)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4d7f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cb y4d7f w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,416)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d89 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1499 y4d89 wd3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">247<span class=\"_ _5\"></span>,9<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149a y4d89 wd3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _0\"></span>,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149b y4d89 wd3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">275,392<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8a ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d82 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4d82 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b34 wcba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cd y4b34 w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ce y4b34 w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a7 y4d1f wd43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4d1f w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a8 y4d1f wd44 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cf y4d84 wd59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">96,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d0 y4d84 wd5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,797<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d1 y4d84 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,<span class=\"_ _0\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c wd47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4a9c wd5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d2 y4a9c w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d3 y4a9c wd5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e4 y4cb6 w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d4 y4cb6 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,683)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c8 y4a9e w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,889)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c9 y4a9e w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ca y4a9e wd58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5b y4a9f w78b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d5 y4a9f wd5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4ca8 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ae y4ca8 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,9<span class=\"_ _0\"></span>64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4ca8 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">123,593<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8c ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d6 y4b3c w8b1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">122,762<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d7 y4b3c wd5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4b3c wb36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4aa3 wa6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bb y4aa3 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>1,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bc y4aa3 wd51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wade h141\" id=\"_ce593f61-13c7-4fa9-975b-1f39451fa952\"><tr><td></td><td class=\"t m1 x1496 h77 y4d8d ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d8e wd3a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d8e wd3b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d8e w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8f ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d90 w178 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d9 y4d90 wd5f h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14da y4d90 wd60 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14db y4d90 wd61 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">203,<span class=\"_ _d\"></span>956<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a96 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14dc y4a96 w6ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,715<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14dd y4a96 w3b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14de y4a96 wd62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,057<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a97 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14df y4a97 wd63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4a97 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e0 y4a97 wbf7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c08 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4c08 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c08 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e1 y4c08 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e2 y4c09 w4af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(528)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e3 y4c09 w4af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(528)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d91 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c0 y4d91 wd53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c1 y4d91 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c2 y4d91 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>46,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d92 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49a y4d84 wd64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">72,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e4 y4d84 wd65 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e5 y4d84 wd66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _0\"></span>150<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wd47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e6 y4c0c w76a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e7 y4c0c w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e8 y4c0c w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,269<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e9 y4a9d wd67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ea y4a9d wd67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4a9e w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e1 y4a9e w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14eb y4c95 wd63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(179<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ec y4c95 w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cf y4aa0 wd59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">96,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d0 y4aa0 wd5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,797<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d1 y4aa0 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,<span class=\"_ _0\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d93 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa2 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ed y4aa2 wd68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ee y4aa2 wd69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,326<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ef y4aa2 wd6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">125,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d6 y4aa3 w8b1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">122,762<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d7 y4aa3 wd5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4aa3 wb36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-778": {
   "value": "14.  Intangible assets<span class=\"_ _3e0\"> </span>The movements in in<span class=\"_ _0\"></span>tangible assets were as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w815 h140\" id=\"_769ae679-240e-4b74-9c48-29422b42b0b0\"><tr><td></td><td class=\"t m1 x1496 h77 y4d7a ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d7b wd3a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d7b wd3b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d7b w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d7c ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d7d w1c7 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1499 y4d7d wd3c h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">247<span class=\"_ _5\"></span>,9<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149a y4d7d wd3d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _0\"></span>,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149b y4d7d wd3e h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">275,392<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2e w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149c y4b2e wd3f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149d y4b2e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149e y4b2e w4f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,568<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2f w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11bf y4b2f w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,321)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b2f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149f y4b2f w8e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,321)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4d7e wc22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,258)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4d7e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a1 y4d7e w880 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,258)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a2 y4d7f waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>3,560)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4d7f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4d7f w916 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,560)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d80 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a4 y4d80 wd40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _2\"></span>1,341<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a5 y4d80 wd41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a6 y4d80 wd42 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">318,821<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d81 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d82 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a7 y4d82 wd43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a8 y4d82 wd44 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wcba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a9 y4c09 wd45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,201<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4c09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4c09 w4ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,201<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ab y4d1f w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4d1f w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ac y4d1f w11d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,559<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d83 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4d84 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ae y4d84 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,9<span class=\"_ _0\"></span>64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4d84 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">123,593<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c wd47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4a9c wd48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b0 y4a9c wd49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b1 y4a9c w948 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,022<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b2 y4a9d wd4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,815)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b3 y4a9d wd4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,815)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b4 y4a9e w49d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,261)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b5 y4a9e wd4b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,261)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b6 y4a9f w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>139)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89d y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b7 y4a9f wd4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>139)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b8 y4aa0 wd4d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">140,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b9 y4aa0 wd4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ba y4aa0 wd4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,400<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d85 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa2 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4aa2 wa6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bb y4aa2 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>1,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bc y4aa2 wd51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bd y4aa3 w7d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14be y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bf y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wd52 h140\" id=\"_43e356ca-8cb3-4b1d-bdfb-06f151c0aece\"><tr><td></td><td class=\"t m1 x1496 h77 y4d86 ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d7b wd3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d7b wd3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d7b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d87 ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d88 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c0 y4d88 wd53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c1 y4d88 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c2 y4d88 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>46,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2e w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c3 y4b2e wb16 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c4 y4b2e wd55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c5 y4b2e wd56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b2f w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c6 y4b2f wd57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _5\"></span>,331)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcde y4b2f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c7 y4b2f w738 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,331)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b30 w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c8 y4b30 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,889)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c9 y4b30 w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ca y4b30 wd58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d7f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x497 y4d7f w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,4<span class=\"_ _0\"></span>16)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x99c y4d7f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cb y4d7f w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,416)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d89 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1499 y4d89 wd3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">247<span class=\"_ _5\"></span>,9<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149a y4d89 wd3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _0\"></span>,449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149b y4d89 wd3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">275,392<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8a ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d82 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4d82 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4d82 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b34 wcba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cd y4b34 w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8af y4b34 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ce y4b34 w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d1f w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a7 y4d1f wd43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x997 y4d1f w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a8 y4d1f wd44 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,358<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8b ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cf y4d84 wd59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">96,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d0 y4d84 wd5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,797<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d1 y4d84 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,<span class=\"_ _0\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c wd47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4a9c wd5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d2 y4a9c w4a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d3 y4a9c wd5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,560<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e4 y4cb6 w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,683)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbd7 y4cb6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d4 y4cb6 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,683)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c8 y4a9e w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,889)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c9 y4a9e w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ca y4a9e wd58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5b y4a9f w78b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(502)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d5 y4a9f wd5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(502)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4ca8 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ae y4ca8 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,9<span class=\"_ _0\"></span>64<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4ca8 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">123,593<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8c ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b3c w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d6 y4b3c w8b1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">122,762<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d7 y4b3c wd5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4b3c wb36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128a y4aa3 wa6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">127<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bb y4aa3 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>1,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bc y4aa3 wd51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wade h141\" id=\"_ce593f61-13c7-4fa9-975b-1f39451fa952\"><tr><td></td><td class=\"t m1 x1496 h77 y4d8d ffb fs1d fc1 sc0 ls0 ws0\">Softwar<span class=\"_ _0\"></span>e and </td><td></td><td></td></tr><tr><td></td><td class=\"c n x729 y4d8e wd3a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">licence<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1497 y4d8e wd3b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1498 y4d8e w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d8f ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d90 w178 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d9 y4d90 wd5f h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14da y4d90 wd60 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14db y4d90 wd61 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">203,<span class=\"_ _d\"></span>956<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a96 w933 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14dc y4a96 w6ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,715<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14dd y4a96 w3b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14de y4a96 wd62 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,057<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a97 w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14df y4a97 wd63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>41)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4a97 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e0 y4a97 wbf7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c08 w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4c08 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4c08 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e1 y4c08 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e2 y4c09 w4af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(528)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4c09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e3 y4c09 w4af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(528)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d91 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c0 y4d91 wd53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,073<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c1 y4d91 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14c2 y4d91 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>46,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d92 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated amortisation<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d84 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49a y4d84 wd64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">72,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e4 y4d84 wd65 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e5 y4d84 wd66 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _0\"></span>150<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wd47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amortisation charge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e6 y4c0c w76a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e7 y4c0c w7a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e8 y4c0c w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,269<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w9bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e9 y4a9d wd67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4a9d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ea y4a9d wd67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(74<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w67a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Writ<span class=\"_ _0\"></span>e-offs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a0 y4a9e w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4a9e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14e1 y4a9e w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,385)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 w684 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14eb y4c95 wd63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(179<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4c95 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ec y4c95 w6f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cf y4aa0 wd59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">96,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d0 y4aa0 wd5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,797<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d1 y4aa0 w9a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,<span class=\"_ _0\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d93 ffb fs8 fc1 sc0 ls0 ws89\">Net book value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa2 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ed y4aa2 wd68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,480<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ee y4aa2 wd69 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,326<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ef y4aa2 wd6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">125,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d6 y4aa3 w8b1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">122,762<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d7 y4aa3 wd5e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4aa3 wb36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr></table>16. Goodwill<span class=\"_ _3e0\"> </span>Movements in goodwill <span class=\"_ _0\"></span>were as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wd7a h143\" id=\"_dd7ed627-38dc-4450-b2b8-d4b0c2ea2e9e\"><tr><td></td><td class=\"c n x8d8 y4d95 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d95 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d95 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d96 ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d97 w358 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1505 y4d97 wd7b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _5\"></span>,745<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x921 y4d97 wd7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1506 y4d97 wd7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wd7d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1507 y4ac2 wd7e h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4ac2 w17d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac2 w17d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d98 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1509 y4d98 w7d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150a y4d98 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1127 y4d98 wd7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,745<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d99 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d20 w358 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4d20 wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150b y4d20 wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150c y4d20 wd81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9f wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1509 y4c9f wd82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150d y4c9f wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c9f wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d9a ffb fs8 fc1 sc0 ls0 ws89\">Net book value:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bf1 w358 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1505 y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150f y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 wd7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1507 y4ac9 wd7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4ac9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f9 y4aa3 wd25 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1511 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125f y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr></table>Impairment test f<span class=\"_ _0\"></span>or goodwill<span class=\"_ _3e0\"> </span>Goodwill acquired <span class=\"_ _0\"></span>through business combinations with indefinit<span class=\"_ _0\"></span>e lives have been allocated to tw<span class=\"_ _0\"></span>o individual cash-generating units (C<span class=\"_ _0\"></span>GUs), for<span class=\"_ _0\"></span> impairment testing: Corpor<span class=\"_ _0\"></span>ate Banking and Retail Banking.<span class=\"_ _3e0\"> </span>The carrying amount of goodwill allocated to each o<span class=\"_ _0\"></span>f the CGUs is as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span><table class=\"s wd83 h11c\" id=\"_9179a9b3-8f69-466a-bb9b-4d264d506cf7\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wd84 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Retail Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd11 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1512 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd85 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1513 y4adf w1ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1514 y4adf wb8e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _d\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1515 y4adf waca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>965<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd86 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1516 y4aa3 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1517 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1518 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr></table>K<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions used in v<span class=\"_ _0\"></span>alue-in-use calculations<span class=\"_ _3e0\"> </span>The reco<span class=\"_ _0\"></span>verable amounts of<span class=\"_ _0\"></span> the CGUs have been determined based on a <span class=\"_ _0\"></span>value-in-use calculation, using cash flow pr<span class=\"_ _0\"></span>ojections based on financial budgets appr<span class=\"_ _0\"></span>oved by<span class=\"_ _0\"></span> senior management cov<span class=\"_ _0\"></span>ering a one to three-<span class=\"_ _0\"></span>year period. Discoun<span class=\"_ _0\"></span>t rates wer<span class=\"_ _0\"></span>e not adjusted for<span class=\"_ _0\"></span> either a constant or<span class=\"_ _0\"></span> a declining growth rate be<span class=\"_ _0\"></span>yond the thr<span class=\"_ _0\"></span>ee-year<span class=\"_ _0\"></span> periods cover<span class=\"_ _0\"></span>ed in financial budgets. For <span class=\"_ _0\"></span>the purposes of the impairment test, a 3% permanent gro<span class=\"_ _0\"></span>wth rate has been assumed when assessing the f<span class=\"_ _0\"></span>uture operating c<span class=\"_ _0\"></span>ash flows of the C<span class=\"_ _0\"></span>GU beyond <span class=\"_ _0\"></span>the three-<span class=\"_ _0\"></span>year period cov<span class=\"_ _0\"></span>ered in financial budgets.<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing discount rates <span class=\"_ _0\"></span>were used by<span class=\"_ _0\"></span> the Group <span class=\"_ _0\"></span>for Corpor<span class=\"_ _0\"></span>ate Banking and Retail Banking:<span class=\"_ _3e0\"> </span><table class=\"s wd87 h144\" id=\"_b6c92ab7-aff0-4aaa-a464-0ec78c187840\"><tr><td></td><td></td><td class=\"c n x1519 y4d9b wd88 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Corporate Banking<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x151a y4d9b wd89 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Retail Banking<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x151b y4d9c w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151c y4d9c w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151d y4d9c w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151e y4d9c w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151f y4d9c w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1520 y4d9c w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Discount r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1521 y4aa3 wd8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.3%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1522 y4aa3 wd8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.3%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1523 y4aa3 wd8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.9%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1524 y4aa3 wd8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1525 y4aa3 wd8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122f y4aa3 wd90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.<span class=\"_ _d\"></span>1%<span class=\"_ _3e0\"> </span></div></td></tr></table>Discount r<span class=\"_ _0\"></span>ates<span class=\"_ _3e0\"> </span>Discount r<span class=\"_ _0\"></span>ates reflect management\u2019<span class=\"_ _d\"></span>s estimate of return r<span class=\"_ _0\"></span>equired in each business. This is <span class=\"_ _0\"></span>the benchmark used by<span class=\"_ _0\"></span> management to assess operating perf<span class=\"_ _0\"></span>ormance and to evaluate <span class=\"_ _0\"></span>future inve<span class=\"_ _0\"></span>stment proposals. Discount r<span class=\"_ _0\"></span>ates are calculated b<span class=\"_ _0\"></span>y using pr<span class=\"_ _0\"></span>e-tax weight<span class=\"_ _0\"></span>ed average c<span class=\"_ _0\"></span>ost of capital (W<span class=\"_ _0\"></span>AC<span class=\"_ _0\"></span>C).<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the Retail Banking and Corpor<span class=\"_ _0\"></span>ate Banking CGUs, the f<span class=\"_ _0\"></span>ollowing additional assumptions wer<span class=\"_ _0\"></span>e made: \u2022 <span class=\"_ _59\"> </span>stable, business as usual growth of<span class=\"_ _0\"></span> loans and deposits; \u2022 <span class=\"_ _59\"> </span>no material changes in cost/income structure or<span class=\"_ _0\"></span> ratio; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>stable, business as usual growth of<span class=\"_ _0\"></span> trade finance and o<span class=\"_ _0\"></span>ther documentary businesses.<span class=\"_ _3e0\"> </span>Sensitivity to change<span class=\"_ _0\"></span>s in assumptions<span class=\"_ _3e0\"> </span>Management believes <span class=\"_ _0\"></span>that reasonable possible changes to k<span class=\"_ _0\"></span>ey assump<span class=\"_ _0\"></span>tions used to determine the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t for each CGU will not r<span class=\"_ _0\"></span>esult in an impairment of goodwill. <span class=\"_ _0\"></span>The exc<span class=\"_ _0\"></span>ess of value-in-use over<span class=\"_ _0\"></span> carrying value is determined by<span class=\"_ _0\"></span> ref<span class=\"_ _0\"></span>erence to <span class=\"_ _0\"></span>the net book value as at 31 December<span class=\"_ _0\"></span> 2023. Possible change was <span class=\"_ _0\"></span>taken as +/-3% in disc<span class=\"_ _0\"></span>ount rate and gr<span class=\"_ _0\"></span>owth rate.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-733": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs4aa\">15.  Inv<span class=\"_ _0\"></span>estment properties<span class=\"_ _3e0\"> </span></div><div class=\"gs4a1\"><table class=\"s wbad h142\" id=\"_6c2fb7bd-94ef-47a9-8a11-e84407b187af\"><tr><td></td><td class=\"c n x8d8 y4d94 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d94 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d94 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d wc7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 wsfb\">At 1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f0 y4b4d wd6b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">166,5<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f1 y4b4d wd6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f2 y4b4d wd6d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">231,241<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd04 y4b40 wd6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,882<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f3 y4b40 w943 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,871<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfec y4b40 wa3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,912<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w9bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Disposals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbb y4b41 wd6f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,<span class=\"_ _0\"></span>175)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f4 y4b41 w8ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(54,713)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f5 y4b41 wd70 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(68,<span class=\"_ _d\"></span>7<span class=\"_ _2\"></span>13)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wd71 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net gains fr<span class=\"_ _0\"></span>om rev<span class=\"_ _0\"></span>aluation of investment pr<span class=\"_ _0\"></span>operty<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f6 y4b42 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f7 y4b42 wd72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,421<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f8 y4b42 w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wc9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>to assets held for<span class=\"_ _0\"></span> sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14f9 y4b43 wd73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,756<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14fa y4b43 wd74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(16,<span class=\"_ _0\"></span>955)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14fb y4b43 wd75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,390)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wd76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransfers <span class=\"_ _0\"></span>from (to<span class=\"_ _d\"></span>) property and equipment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14fc y4b44 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1e y4b44 w779 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(9<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14fd y4b44 wc43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _d\"></span>937<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wc9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">T<span class=\"_ _d\"></span>ransfers f<span class=\"_ _0\"></span>rom f<span class=\"_ _0\"></span>oreclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14fe y4b45 wd77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w684 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Currency<span class=\"_ _0\"></span> translation diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ff y4b46 wd4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,028)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1500 y4b46 w8d7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(1,0<span class=\"_ _2\"></span>03)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1501 y4b46 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(575)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1502 y4aa3 wd78 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1503 y4aa3 wd79 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1504 y4aa3 wd6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ab\">Investment pr<span class=\"_ _0\"></span>operties are stated at f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. The f<span class=\"_ _0\"></span>air value r<span class=\"_ _0\"></span>epresents the price <span class=\"_ _0\"></span>that would be receiv<span class=\"_ _0\"></span>ed to sell an asset in an orderly<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ac\">transaction between mark<span class=\"_ _0\"></span>et participants at the measuremen<span class=\"_ _0\"></span>t date. As at 31 December 2023, <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> values of the pr<span class=\"_ _0\"></span>operties </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ad\">are based on v<span class=\"_ _0\"></span>aluations performed by<span class=\"_ _0\"></span> accredited independent <span class=\"_ _0\"></span>valuers. Ref<span class=\"_ _0\"></span>er to Note 31 <span class=\"_ _0\"></span>for details on <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue measurements of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ae\">investment pr<span class=\"_ _0\"></span>operties.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-734": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 wsfc gs4b0\">16. Goodwill<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b1\">Movements in goodwill <span class=\"_ _0\"></span>were as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s wd7a h143\" id=\"_dd7ed627-38dc-4450-b2b8-d4b0c2ea2e9e\"><tr><td></td><td class=\"c n x8d8 y4d95 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d95 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d95 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d96 ffb fs8 fc1 sc0 ls35 ws63\">Cost </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d97 w358 hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1505 y4d97 wd7b hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _5\"></span>,745<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x921 y4d97 wd7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1506 y4d97 wd7c hf5\"><div class=\"t m1 x1c5 h1b y4aa7 ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wd7d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1507 y4ac2 wd7e h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4ac2 w17d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac2 w17d h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d98 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1509 y4d98 w7d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150a y4d98 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1127 y4d98 wd7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _d\"></span>,745<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d99 ffb fs8 fc1 sc0 ls0 ws0\">Accumulated impairmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d20 w358 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14af y4d20 wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150b y4d20 wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150c y4d20 wd81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9f wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1509 y4c9f wd82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150d y4c9f wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c9f wd80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,394<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4d9a ffb fs8 fc1 sc0 ls0 ws89\">Net book value:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bf1 w358 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 wsfb\">1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1505 y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150f y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4bf1 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 wd7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Business combination<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1507 y4ac9 wd7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4ac9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc88 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">At 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f9 y4aa3 wd25 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1511 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x125f y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws7 gs4b2\">Impairment test f<span class=\"_ _0\"></span>or goodwill<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b3\">Goodwill acquired <span class=\"_ _0\"></span>through business combinations with indefinit<span class=\"_ _0\"></span>e lives have been allocated to tw<span class=\"_ _0\"></span>o individual cash-generating units </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b4\">(C<span class=\"_ _0\"></span>GUs), for<span class=\"_ _0\"></span> impairment testing: Corpor<span class=\"_ _0\"></span>ate Banking and Retail Banking.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b5\">The carrying amount of goodwill allocated to each o<span class=\"_ _0\"></span>f the CGUs is as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"gs4b6\"><table class=\"s wd83 h11c\" id=\"_9179a9b3-8f69-466a-bb9b-4d264d506cf7\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wd84 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Retail Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd11 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1512 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b9 y4ade w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,386<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd85 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate Banking<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1513 y4adf w1ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,867<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1514 y4adf wb8e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _d\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1515 y4adf waca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>965<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd86 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1516 y4aa3 w46c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1517 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1518 y4aa3 w296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs4b7\">K<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions used in v<span class=\"_ _0\"></span>alue-in-use calculations<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b8\">The reco<span class=\"_ _0\"></span>verable amounts of<span class=\"_ _0\"></span> the CGUs have been determined based on a <span class=\"_ _0\"></span>value-in-use calculation, using cash flow pr<span class=\"_ _0\"></span>ojections based </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4b9\">on financial budgets appr<span class=\"_ _0\"></span>oved by<span class=\"_ _0\"></span> senior management cov<span class=\"_ _0\"></span>ering a one to three-<span class=\"_ _0\"></span>year period. Discoun<span class=\"_ _0\"></span>t rates wer<span class=\"_ _0\"></span>e not adjusted for<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ba\">either a constant or<span class=\"_ _0\"></span> a declining growth rate be<span class=\"_ _0\"></span>yond the thr<span class=\"_ _0\"></span>ee-year<span class=\"_ _0\"></span> periods cover<span class=\"_ _0\"></span>ed in financial budgets. For <span class=\"_ _0\"></span>the purposes of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4bb\">impairment test, a 3% permanent gro<span class=\"_ _0\"></span>wth rate has been assumed when assessing the f<span class=\"_ _0\"></span>uture operating c<span class=\"_ _0\"></span>ash flows of the C<span class=\"_ _0\"></span>GU </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4bc\">beyond <span class=\"_ _0\"></span>the three-<span class=\"_ _0\"></span>year period cov<span class=\"_ _0\"></span>ered in financial budgets.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4bd\">The f<span class=\"_ _0\"></span>ollowing discount rates <span class=\"_ _0\"></span>were used by<span class=\"_ _0\"></span> the Group <span class=\"_ _0\"></span>for Corpor<span class=\"_ _0\"></span>ate Banking and Retail Banking:<span class=\"_ _3e0\"> </span></div><div class=\"gs4be\"><table class=\"s wd87 h144\" id=\"_b6c92ab7-aff0-4aaa-a464-0ec78c187840\"><tr><td></td><td></td><td class=\"c n x1519 y4d9b wd88 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Corporate Banking<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x151a y4d9b wd89 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Retail Banking<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x151b y4d9c w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151c y4d9c w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151d y4d9c w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151e y4d9c w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x151f y4d9c w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1520 y4d9c w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Discount r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1521 y4aa3 wd8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.3%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1522 y4aa3 wd8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.3%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1523 y4aa3 wd8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.9%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1524 y4aa3 wd8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1525 y4aa3 wd8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x122f y4aa3 wd90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.<span class=\"_ _d\"></span>1%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs4bf\">Discount r<span class=\"_ _0\"></span>ates<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c0\">Discount r<span class=\"_ _0\"></span>ates reflect management\u2019<span class=\"_ _d\"></span>s estimate of return r<span class=\"_ _0\"></span>equired in each business. This is <span class=\"_ _0\"></span>the benchmark used by<span class=\"_ _0\"></span> management to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c1\">assess operating perf<span class=\"_ _0\"></span>ormance and to evaluate <span class=\"_ _0\"></span>future inve<span class=\"_ _0\"></span>stment proposals. Discount r<span class=\"_ _0\"></span>ates are calculated b<span class=\"_ _0\"></span>y using pr<span class=\"_ _0\"></span>e-tax weight<span class=\"_ _0\"></span>ed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c2\">average c<span class=\"_ _0\"></span>ost of capital (W<span class=\"_ _0\"></span>AC<span class=\"_ _0\"></span>C).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c3\">For <span class=\"_ _0\"></span>the Retail Banking and Corpor<span class=\"_ _0\"></span>ate Banking CGUs, the f<span class=\"_ _0\"></span>ollowing additional assumptions wer<span class=\"_ _0\"></span>e made: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c4\">\u2022 <span class=\"_ _59\"> </span>stable, business as usual growth of<span class=\"_ _0\"></span> loans and deposits; </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c5\">\u2022 <span class=\"_ _59\"> </span>no material changes in cost/income structure or<span class=\"_ _0\"></span> ratio; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c6\">\u2022 <span class=\"_ _59\"> </span>stable, business as usual growth of<span class=\"_ _0\"></span> trade finance and o<span class=\"_ _0\"></span>ther documentary businesses.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs4c7\">Sensitivity to change<span class=\"_ _0\"></span>s in assumptions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c8\">Management believes <span class=\"_ _0\"></span>that reasonable possible changes to k<span class=\"_ _0\"></span>ey assump<span class=\"_ _0\"></span>tions used to determine the r<span class=\"_ _0\"></span>ecoverable amoun<span class=\"_ _0\"></span>t for each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4c9\">CGU will not r<span class=\"_ _0\"></span>esult in an impairment of goodwill. <span class=\"_ _0\"></span>The exc<span class=\"_ _0\"></span>ess of value-in-use over<span class=\"_ _0\"></span> carrying value is determined by<span class=\"_ _0\"></span> ref<span class=\"_ _0\"></span>erence to <span class=\"_ _0\"></span>the net </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ca\">book value as at 31 December<span class=\"_ _0\"></span> 2023. Possible change was <span class=\"_ _0\"></span>taken as +/-3% in disc<span class=\"_ _0\"></span>ount rate and gr<span class=\"_ _0\"></span>owth rate.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-735": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 wsfd gs4cc\">17<span class=\"_ _5\"></span>. T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4cd\">The corporat<span class=\"_ _0\"></span>e income tax expense in <span class=\"_ _0\"></span>the income statement comprises:<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s w8b4 h145\" id=\"_e41a57de-42ef-4e0a-b65b-1c1e6c23895a\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wd91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome benefit/(e<span class=\"_ _0\"></span>xpense)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1526 y4b45 wd92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(324,<span class=\"_ _2\"></span>452)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1527 y4b45 wd93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(137<span class=\"_ _d\"></span>,430)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4b45 wd94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(111,652)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax benefit/(<span class=\"_ _0\"></span>expense<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1529 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152a y4adf wc4f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152b y4adf waa8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152d y4aa3 w131 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152e y4aa3 w132 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ce\">The income tax r<span class=\"_ _0\"></span>ate applicable to most of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income is the income tax r<span class=\"_ _0\"></span>ate applicable to subsidiaries\u2019 inc<span class=\"_ _0\"></span>ome, which ranges </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4cf\">fr<span class=\"_ _0\"></span>om 15% to 25% (2022: fr<span class=\"_ _0\"></span>om 15% to 25%, 2021: f<span class=\"_ _0\"></span>rom 15% to 25%).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d0\">On 12 June 2018, an amendmen<span class=\"_ _0\"></span>t to the curren<span class=\"_ _0\"></span>t corporate tax<span class=\"_ _0\"></span>ation model applicable to financial institutions, including banks and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d1\">insurance businesses, bec<span class=\"_ _0\"></span>ame effective<span class=\"_ _0\"></span>. The change implied a zer<span class=\"_ _0\"></span>o corporate <span class=\"_ _0\"></span>tax rate on r<span class=\"_ _0\"></span>etained earnings and a 15% corporate <span class=\"_ _0\"></span>tax rate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d2\">on distributed earnings starting fr<span class=\"_ _0\"></span>om 1 January 2023. On 16 December<span class=\"_ _0\"></span> 2022, an amendment to the corpor<span class=\"_ _0\"></span>ate tax code was passed in<span class=\"_ _0\"></span>to<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws16 gs4d3\">law abolishing the expected transition to t<span class=\"_ _0\"></span>axation on distributed earnings from 1 January 2023. Ac<span class=\"_ _0\"></span>cording to the amendment, which </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d4\">became eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023, e<span class=\"_ _0\"></span>xisting taxation rule<span class=\"_ _0\"></span>s for <span class=\"_ _0\"></span>financial institutions, including banks, are to be maintained. <span class=\"_ _0\"></span>At the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d5\">same time, the e<span class=\"_ _0\"></span>xisting corporate <span class=\"_ _0\"></span>tax rate f<span class=\"_ _0\"></span>or banks increased <span class=\"_ _0\"></span>from 15% t<span class=\"_ _0\"></span>o 20% from 2023 going <span class=\"_ _0\"></span>forward. In addition, <span class=\"_ _0\"></span>with effect f<span class=\"_ _0\"></span>rom </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d6\">2023, tax<span class=\"_ _0\"></span>able interest income and deductible ECLs on loans t<span class=\"_ _0\"></span>o customers will be defined as per IFRS, instead of<span class=\"_ _0\"></span> local NBG regulations. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs4d7\">T<span class=\"_ _d\"></span>ransition diff<span class=\"_ _0\"></span>erences in ECLs and inter<span class=\"_ _0\"></span>est income will be tax<span class=\"_ _0\"></span>ed one-off at 15% and 20% r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4d8\">The change had an immediate impact on deferr<span class=\"_ _0\"></span>ed tax asset and def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> liability balances attributable to pr<span class=\"_ _0\"></span>eviously<span class=\"_ _0\"></span> recognised </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4d9\">temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising from prior<span class=\"_ _0\"></span> periods. As at 31 December 2022, def<span class=\"_ _0\"></span>erred tax asse<span class=\"_ _0\"></span>ts and liabilities balances were  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4da\">remeasur<span class=\"_ _0\"></span>ed, in line with the updated legislation. <span class=\"_ _0\"></span>The change resulted in a material one-off<span class=\"_ _0\"></span> deferr<span class=\"_ _0\"></span>ed tax charge as pr<span class=\"_ _0\"></span>eviously the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4db\">Bank rec<span class=\"_ _0\"></span>ognised deferred <span class=\"_ _0\"></span>taxes only<span class=\"_ _0\"></span> to the exten<span class=\"_ _0\"></span>t they<span class=\"_ _0\"></span> were e<span class=\"_ _0\"></span>xpected to realise bef<span class=\"_ _0\"></span>ore 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4dc\">The eff<span class=\"_ _0\"></span>ective income tax r<span class=\"_ _0\"></span>ate differ<span class=\"_ _0\"></span>s from <span class=\"_ _0\"></span>the statutory income tax r<span class=\"_ _0\"></span>ates. As at 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4dd\">31 December 2021, a r<span class=\"_ _0\"></span>econciliation of the income <span class=\"_ _0\"></span>tax expense based on statutory r<span class=\"_ _0\"></span>ates with the actual expense is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs4de\"><table class=\"s w95c h146\" id=\"_9dd81b7c-f89b-4288-af65-524352f6bdac\"><tr><td></td><td></td><td class=\"t m1 x51e h77 y4d9d ffb fs1d fc1 sc0 ls0 ws0\">For the six months ended </td><td></td></tr><tr><td></td><td class=\"c n x8d8 y4d9e w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d9e w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d9e w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d9f w12d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2a5 y4d9f w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152f y4d9f w123 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,634<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1530 y4d9f w57d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">801,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 wd98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Statutory tax<span class=\"_ _0\"></span> rate in Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1531 y4da0 wd99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1532 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1533 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d wd9b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Theoretic<span class=\"_ _0\"></span>al income tax expens<span class=\"_ _0\"></span>e at average tax r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1534 y4b4d wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(331,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1535 y4b4d wd9d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(245,<span class=\"_ _0\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1536 y4b4d wd9e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(120,291)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wd9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-tax<span class=\"_ _0\"></span>able income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1537 y4b40 wda0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1538 y4b40 wda1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4b40 wda2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,6<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 wda3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4da1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,520<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1539 y4da1 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,229)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153a y4da1 w992 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>931)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wda4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Correction of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span> declarations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3 y4b42 wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,342)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153b y4b42 w1f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,846)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153c y4b42 wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wda6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax at the domestic r<span class=\"_ _0\"></span>ates applicable to pro<span class=\"_ _0\"></span>fits in each country<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153d y4b43 wda7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,00<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153e y4b43 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>991)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153f y4b43 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d wda8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ects from changes in <span class=\"_ _0\"></span>tax legislation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1540 y4c9d wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1541 y4c9d wda9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,07<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b45 wdab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1543 y4b46 w161 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>916)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1544 y4b46 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1545 y4b46 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1546 y4aa3 wdac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1547 y4aa3 wdad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4df\">Applicable tax<span class=\"_ _0\"></span>es in Georgia and Belarus include corpor<span class=\"_ _0\"></span>ate income tax (pr<span class=\"_ _0\"></span>ofit tax), individuals\u2019 withholding tax<span class=\"_ _0\"></span>es, property <span class=\"_ _0\"></span>tax and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e0\">value added tax, among others. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, regulations are o<span class=\"_ _0\"></span>ften unclear or non-e<span class=\"_ _0\"></span>xistent and f<span class=\"_ _0\"></span>ew preceden<span class=\"_ _0\"></span>ts have been established. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e1\">This creates <span class=\"_ _0\"></span>tax risks in Georgia and Belarus, substantially<span class=\"_ _0\"></span> more significan<span class=\"_ _0\"></span>t than typically <span class=\"_ _0\"></span>found in countries <span class=\"_ _0\"></span>with more developed tax<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e2\">systems. Management believ<span class=\"_ _0\"></span>es that the Group is in substan<span class=\"_ _0\"></span>tial compliance with the tax<span class=\"_ _0\"></span> laws affecting its oper<span class=\"_ _0\"></span>ations. However<span class=\"_ _d\"></span>, the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e3\">risk remains <span class=\"_ _0\"></span>that relevant authorities c<span class=\"_ _0\"></span>ould take dif<span class=\"_ _0\"></span>fering positions with r<span class=\"_ _0\"></span>egard to interpr<span class=\"_ _0\"></span>etative issues.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e4\">As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, income <span class=\"_ _0\"></span>tax assets and liabilities consist of the <span class=\"_ _0\"></span>following:<span class=\"_ _3e0\"> </span></div><div class=\"gs4e5\"><table class=\"s wdae h11a\" id=\"_467c834c-5973-4199-a182-cc2bb0727712\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wdaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1548 y4a9e w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1549 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f wdb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154b y4a9f w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154c y4a9f wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154d y4a9f w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 wdb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154e y4aa0 wdb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154f y4aa0 w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1550 y4aa0 wdb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1551 y4b45 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1552 y4b45 wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1553 y4b45 wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wdb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1554 y4b46 wdb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _0\"></span>18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4b46 wdb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1555 y4b46 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1556 y4aa3 wdbb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1557 y4aa3 wdbc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201 y4aa3 w7a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e7\">Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities as at<span class=\"_ gs7d\"> </span>31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, and their movements <span class=\"_ _0\"></span>for <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e8\">respective <span class=\"_ _0\"></span>years, are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs403\"><table class=\"s w61c h147\" id=\"_de6d3aa3-cc71-4a3b-b5be-03d51d2f4328\"><tr><td></td><td></td><td class=\"t m1 x1558 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x557 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x565 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x52d h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x5c6 h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x2f7 h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\" colspan=\"2\">In the income </td><td></td><td class=\"t m1 x53d h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td><td class=\"t m1 x12ed h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td></tr><tr><td></td><td class=\"t m1 x1559 h77 y4da5 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"c n x155a y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155b y4da6 w25 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155c y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155d y4da6 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52b y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155e y4da6 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4da7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> deductible temporary </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4da8 ffb fs8 fc1 sc0 ls0 ws0\">differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4da9 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155f y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1560 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1561 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1562 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1563 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4da9 wdbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>30)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1565 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daa w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1568 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1569 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156a y4daa w29e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156b y4daa w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dab w4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156c y4dab wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156d y4dab wdc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156e y4dab wdc1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156f y4dab w54b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>954<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4dab wdc2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1571 y4dab wdc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4dab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dac wdc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance pr<span class=\"_ _0\"></span>emiums receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1572 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1573 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1574 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1575 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1576 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dad ff2 fs8 fc1 sc0 ls0 ws0\">Allowances f<span class=\"_ _0\"></span>or impairment and pr<span class=\"_ _0\"></span>ovisions </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4dae wdc5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">for<span class=\"_ _0\"></span> other losses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1577 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1311 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1312 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1313 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1314 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1315 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1578 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daf wdc6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax losses carried f<span class=\"_ _0\"></span>orward<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157c y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157d y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157e y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db0 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157f y4db0 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4db0 wdc8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1581 y4db0 wdc9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1582 y4db0 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1583 y4db0 w6be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1584 y4db0 wdca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,072)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1585 y4db0 wdcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db1 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db2 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158c y4db2 w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158d y4db2 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158e y4db2 wdcc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158f y4db2 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">338<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4db3 wdcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1591 y4db3 wdce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1592 y4db3 wdcf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,77<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1593 y4db3 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1594 y4db3 wdd0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>159<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1595 y4db3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89e y4db3 wdd1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db4 w7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4db4 wdd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1597 y4db4 w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1598 y4db4 wdd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1599 y4db4 wdd4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159a y4db4 wdd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159b y4db4 wdd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159c y4db4 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db5 wdd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159d y4db5 wdd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159e y4db5 wdd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">368<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159f y4db5 wb29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a0 y4db5 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,845<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a1 y4db5 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,280<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a2 y4db5 wdda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a3 y4db5 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db6 wddb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a4 y4db6 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a5 y4db6 wddc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a6 y4db6 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a7 y4db6 wbda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,3<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a8 y4db6 wddd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">70,87<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a9 y4db6 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4db6 wdde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4db7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> taxable t<span class=\"_ _0\"></span>emporary differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4db8 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ab y4db8 wddf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ac y4db8 wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ad y4db8 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ae y4db8 w93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15af y4db8 w913 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b0 y4db8 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b1 y4db8 w567 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b2 y4db9 wde0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b3 y4db9 w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b4 y4db9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b5 y4db9 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b6 y4db9 wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b7 y4db9 wde2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b8 y4db9 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dba w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b9 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ba y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bb y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bc y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bd y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15be y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbb w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bf y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c0 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c1 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dbc ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d07 wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c3 y4d07 wde4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c4 y4d07 wde5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>192)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c5 y4d07 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,87<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c6 y4d07 wde6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,69<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c7 y4d07 w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c8 y4d07 wd94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,006<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c9 y4d07 w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ca y4da0 w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cb y4da0 wde7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cc y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cd y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ce y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cf y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d0 y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d1 y4d09 wd18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d2 y4d09 wde8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d3 y4d09 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d4 y4d09 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d5 y4d09 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d6 y4d09 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d7 y4d09 wde9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,551<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d8 y4dbd wdea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,510<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d9 y4dbd w555 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,294)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15da y4dbd w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15db y4dbd w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dc y4dbd wd30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dd y4dbd wdeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15de y4dbd wdec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15df y4dbe w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e0 y4dbe w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e1 y4dbe wded hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e2 y4dbe wdee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e3 y4dbe w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">8,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e4 y4dbe wdef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,277)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e5 y4dbe wdf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,510<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e6 y4ac6 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e7 y4ac6 w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e8 y4ac6 wdf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e9 y4ac6 w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ea y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15eb y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4d0e w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ed y4d0e wdf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ee y4d0e wdf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ef y4d0e wdf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1359 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f0 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wdd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f1 y4aa1 wdf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f2 y4aa1 wdf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,246<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f3 y4aa1 wdf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f4 y4aa1 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f5 y4aa1 wdf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f6 y4aa1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,260<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f7 y4aa1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wdf9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f8 y4b3c wdfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f9 y4b3c wdfb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(26,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fa y4b3c wdfc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fb y4b3c w738 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fc y4b3c w10d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _0\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fd y4b3c wdfd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">(<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4b3c w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">92,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdfe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fe y4aa3 wdff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(62,242)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ff y4aa3 we00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4aa3 w19b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(25,414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1601 y4aa3 we01 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1602 y4aa3 we02 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1603 y4aa3 wc1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1604 y4aa3 we03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>154)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4e9\">The Group has not r<span class=\"_ _0\"></span>ecognised a def<span class=\"_ _0\"></span>erred tax liability<span class=\"_ _0\"></span> for its r<span class=\"_ _0\"></span>eceivable under set<span class=\"_ _0\"></span>tlement discussed in Note 10, as the r<span class=\"_ _0\"></span>eceivable is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ea\">originated in a subsidiary subject to income tax<span class=\"_ _0\"></span> only on distributed pr<span class=\"_ _0\"></span>ofits and the Group does not e<span class=\"_ _0\"></span>xpect to use these proc<span class=\"_ _0\"></span>eeds </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4eb\">for<span class=\"_ gs7d\"> </span>distribution.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs4ed\">18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ee\">Other assets comprise:<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4ef\">Other liabilities comprise:<span class=\"_ _3e0\"> </span></div><div class=\"gs4f0\"><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4f1\">The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4f2\">notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4f3\">or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4f4\">transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span></div><div class=\"gs4f5\"><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs4f6\"><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-835": {
   "value": "17<span class=\"_ _5\"></span>. T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span>The corporat<span class=\"_ _0\"></span>e income tax expense in <span class=\"_ _0\"></span>the income statement comprises:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h145\" id=\"_e41a57de-42ef-4e0a-b65b-1c1e6c23895a\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wd91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome benefit/(e<span class=\"_ _0\"></span>xpense)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1526 y4b45 wd92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(324,<span class=\"_ _2\"></span>452)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1527 y4b45 wd93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(137<span class=\"_ _d\"></span>,430)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4b45 wd94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(111,652)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax benefit/(<span class=\"_ _0\"></span>expense<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1529 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152a y4adf wc4f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152b y4adf waa8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152d y4aa3 w131 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152e y4aa3 w132 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>The income tax r<span class=\"_ _0\"></span>ate applicable to most of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income is the income tax r<span class=\"_ _0\"></span>ate applicable to subsidiaries\u2019 inc<span class=\"_ _0\"></span>ome, which ranges fr<span class=\"_ _0\"></span>om 15% to 25% (2022: fr<span class=\"_ _0\"></span>om 15% to 25%, 2021: f<span class=\"_ _0\"></span>rom 15% to 25%).<span class=\"_ _3e0\"> </span>On 12 June 2018, an amendmen<span class=\"_ _0\"></span>t to the curren<span class=\"_ _0\"></span>t corporate tax<span class=\"_ _0\"></span>ation model applicable to financial institutions, including banks and insurance businesses, bec<span class=\"_ _0\"></span>ame effective<span class=\"_ _0\"></span>. The change implied a zer<span class=\"_ _0\"></span>o corporate <span class=\"_ _0\"></span>tax rate on r<span class=\"_ _0\"></span>etained earnings and a 15% corporate <span class=\"_ _0\"></span>tax rate on distributed earnings starting fr<span class=\"_ _0\"></span>om 1 January 2023. On 16 December<span class=\"_ _0\"></span> 2022, an amendment to the corpor<span class=\"_ _0\"></span>ate tax code was passed in<span class=\"_ _0\"></span>to<span class=\"_ _2\"></span> law abolishing the expected transition to t<span class=\"_ _0\"></span>axation on distributed earnings from 1 January 2023. Ac<span class=\"_ _0\"></span>cording to the amendment, which became eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023, e<span class=\"_ _0\"></span>xisting taxation rule<span class=\"_ _0\"></span>s for <span class=\"_ _0\"></span>financial institutions, including banks, are to be maintained. <span class=\"_ _0\"></span>At the same time, the e<span class=\"_ _0\"></span>xisting corporate <span class=\"_ _0\"></span>tax rate f<span class=\"_ _0\"></span>or banks increased <span class=\"_ _0\"></span>from 15% t<span class=\"_ _0\"></span>o 20% from 2023 going <span class=\"_ _0\"></span>forward. In addition, <span class=\"_ _0\"></span>with effect f<span class=\"_ _0\"></span>rom 2023, tax<span class=\"_ _0\"></span>able interest income and deductible ECLs on loans t<span class=\"_ _0\"></span>o customers will be defined as per IFRS, instead of<span class=\"_ _0\"></span> local NBG regulations. T<span class=\"_ _d\"></span>ransition diff<span class=\"_ _0\"></span>erences in ECLs and inter<span class=\"_ _0\"></span>est income will be tax<span class=\"_ _0\"></span>ed one-off at 15% and 20% r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _2\"></span> The change had an immediate impact on deferr<span class=\"_ _0\"></span>ed tax asset and def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> liability balances attributable to pr<span class=\"_ _0\"></span>eviously<span class=\"_ _0\"></span> recognised temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising from prior<span class=\"_ _0\"></span> periods. As at 31 December 2022, def<span class=\"_ _0\"></span>erred tax asse<span class=\"_ _0\"></span>ts and liabilities balances were  remeasur<span class=\"_ _0\"></span>ed, in line with the updated legislation. <span class=\"_ _0\"></span>The change resulted in a material one-off<span class=\"_ _0\"></span> deferr<span class=\"_ _0\"></span>ed tax charge as pr<span class=\"_ _0\"></span>eviously the Bank rec<span class=\"_ _0\"></span>ognised deferred <span class=\"_ _0\"></span>taxes only<span class=\"_ _0\"></span> to the exten<span class=\"_ _0\"></span>t they<span class=\"_ _0\"></span> were e<span class=\"_ _0\"></span>xpected to realise bef<span class=\"_ _0\"></span>ore 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023. The eff<span class=\"_ _0\"></span>ective income tax r<span class=\"_ _0\"></span>ate differ<span class=\"_ _0\"></span>s from <span class=\"_ _0\"></span>the statutory income tax r<span class=\"_ _0\"></span>ates. As at 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and 31 December 2021, a r<span class=\"_ _0\"></span>econciliation of the income <span class=\"_ _0\"></span>tax expense based on statutory r<span class=\"_ _0\"></span>ates with the actual expense is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w95c h146\" id=\"_9dd81b7c-f89b-4288-af65-524352f6bdac\"><tr><td></td><td></td><td class=\"t m1 x51e h77 y4d9d ffb fs1d fc1 sc0 ls0 ws0\">For the six months ended </td><td></td></tr><tr><td></td><td class=\"c n x8d8 y4d9e w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d9e w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d9e w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d9f w12d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2a5 y4d9f w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152f y4d9f w123 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,634<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1530 y4d9f w57d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">801,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 wd98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Statutory tax<span class=\"_ _0\"></span> rate in Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1531 y4da0 wd99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1532 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1533 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d wd9b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Theoretic<span class=\"_ _0\"></span>al income tax expens<span class=\"_ _0\"></span>e at average tax r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1534 y4b4d wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(331,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1535 y4b4d wd9d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(245,<span class=\"_ _0\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1536 y4b4d wd9e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(120,291)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wd9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-tax<span class=\"_ _0\"></span>able income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1537 y4b40 wda0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1538 y4b40 wda1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4b40 wda2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,6<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 wda3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4da1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,520<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1539 y4da1 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,229)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153a y4da1 w992 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>931)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wda4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Correction of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span> declarations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3 y4b42 wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,342)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153b y4b42 w1f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,846)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153c y4b42 wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wda6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax at the domestic r<span class=\"_ _0\"></span>ates applicable to pro<span class=\"_ _0\"></span>fits in each country<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153d y4b43 wda7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,00<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153e y4b43 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>991)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153f y4b43 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d wda8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ects from changes in <span class=\"_ _0\"></span>tax legislation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1540 y4c9d wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1541 y4c9d wda9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,07<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b45 wdab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1543 y4b46 w161 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>916)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1544 y4b46 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1545 y4b46 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1546 y4aa3 wdac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1547 y4aa3 wdad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>Applicable tax<span class=\"_ _0\"></span>es in Georgia and Belarus include corpor<span class=\"_ _0\"></span>ate income tax (pr<span class=\"_ _0\"></span>ofit tax), individuals\u2019 withholding tax<span class=\"_ _0\"></span>es, property <span class=\"_ _0\"></span>tax and value added tax, among others. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, regulations are o<span class=\"_ _0\"></span>ften unclear or non-e<span class=\"_ _0\"></span>xistent and f<span class=\"_ _0\"></span>ew preceden<span class=\"_ _0\"></span>ts have been established. This creates <span class=\"_ _0\"></span>tax risks in Georgia and Belarus, substantially<span class=\"_ _0\"></span> more significan<span class=\"_ _0\"></span>t than typically <span class=\"_ _0\"></span>found in countries <span class=\"_ _0\"></span>with more developed tax<span class=\"_ _0\"></span> systems. Management believ<span class=\"_ _0\"></span>es that the Group is in substan<span class=\"_ _0\"></span>tial compliance with the tax<span class=\"_ _0\"></span> laws affecting its oper<span class=\"_ _0\"></span>ations. However<span class=\"_ _d\"></span>, the risk remains <span class=\"_ _0\"></span>that relevant authorities c<span class=\"_ _0\"></span>ould take dif<span class=\"_ _0\"></span>fering positions with r<span class=\"_ _0\"></span>egard to interpr<span class=\"_ _0\"></span>etative issues.<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, income <span class=\"_ _0\"></span>tax assets and liabilities consist of the <span class=\"_ _0\"></span>following:<span class=\"_ _3e0\"> </span><table class=\"s wdae h11a\" id=\"_467c834c-5973-4199-a182-cc2bb0727712\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wdaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1548 y4a9e w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1549 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f wdb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154b y4a9f w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154c y4a9f wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154d y4a9f w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 wdb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154e y4aa0 wdb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154f y4aa0 w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1550 y4aa0 wdb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1551 y4b45 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1552 y4b45 wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1553 y4b45 wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wdb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1554 y4b46 wdb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _0\"></span>18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4b46 wdb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1555 y4b46 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1556 y4aa3 wdbb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1557 y4aa3 wdbc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201 y4aa3 w7a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr></table>Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities as at<span class=\"_ gs7d\"> </span>31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, and their movements <span class=\"_ _0\"></span>for <span class=\"_ _0\"></span>the respective <span class=\"_ _0\"></span>years, are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w61c h147\" id=\"_de6d3aa3-cc71-4a3b-b5be-03d51d2f4328\"><tr><td></td><td></td><td class=\"t m1 x1558 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x557 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x565 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x52d h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x5c6 h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x2f7 h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\" colspan=\"2\">In the income </td><td></td><td class=\"t m1 x53d h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td><td class=\"t m1 x12ed h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td></tr><tr><td></td><td class=\"t m1 x1559 h77 y4da5 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"c n x155a y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155b y4da6 w25 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155c y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155d y4da6 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52b y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155e y4da6 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4da7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> deductible temporary </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4da8 ffb fs8 fc1 sc0 ls0 ws0\">differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4da9 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155f y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1560 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1561 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1562 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1563 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4da9 wdbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>30)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1565 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daa w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1568 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1569 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156a y4daa w29e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156b y4daa w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dab w4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156c y4dab wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156d y4dab wdc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156e y4dab wdc1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156f y4dab w54b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>954<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4dab wdc2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1571 y4dab wdc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4dab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dac wdc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance pr<span class=\"_ _0\"></span>emiums receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1572 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1573 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1574 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1575 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1576 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dad ff2 fs8 fc1 sc0 ls0 ws0\">Allowances f<span class=\"_ _0\"></span>or impairment and pr<span class=\"_ _0\"></span>ovisions </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4dae wdc5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">for<span class=\"_ _0\"></span> other losses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1577 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1311 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1312 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1313 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1314 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1315 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1578 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daf wdc6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax losses carried f<span class=\"_ _0\"></span>orward<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157c y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157d y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157e y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db0 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157f y4db0 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4db0 wdc8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1581 y4db0 wdc9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1582 y4db0 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1583 y4db0 w6be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1584 y4db0 wdca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,072)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1585 y4db0 wdcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db1 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db2 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158c y4db2 w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158d y4db2 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158e y4db2 wdcc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158f y4db2 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">338<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4db3 wdcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1591 y4db3 wdce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1592 y4db3 wdcf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,77<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1593 y4db3 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1594 y4db3 wdd0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>159<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1595 y4db3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89e y4db3 wdd1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db4 w7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4db4 wdd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1597 y4db4 w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1598 y4db4 wdd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1599 y4db4 wdd4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159a y4db4 wdd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159b y4db4 wdd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159c y4db4 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db5 wdd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159d y4db5 wdd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159e y4db5 wdd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">368<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159f y4db5 wb29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a0 y4db5 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,845<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a1 y4db5 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,280<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a2 y4db5 wdda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a3 y4db5 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db6 wddb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a4 y4db6 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a5 y4db6 wddc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a6 y4db6 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a7 y4db6 wbda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,3<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a8 y4db6 wddd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">70,87<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a9 y4db6 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4db6 wdde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4db7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> taxable t<span class=\"_ _0\"></span>emporary differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4db8 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ab y4db8 wddf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ac y4db8 wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ad y4db8 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ae y4db8 w93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15af y4db8 w913 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b0 y4db8 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b1 y4db8 w567 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b2 y4db9 wde0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b3 y4db9 w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b4 y4db9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b5 y4db9 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b6 y4db9 wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b7 y4db9 wde2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b8 y4db9 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dba w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b9 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ba y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bb y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bc y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bd y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15be y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbb w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bf y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c0 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c1 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dbc ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d07 wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c3 y4d07 wde4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c4 y4d07 wde5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>192)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c5 y4d07 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,87<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c6 y4d07 wde6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,69<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c7 y4d07 w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c8 y4d07 wd94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,006<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c9 y4d07 w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ca y4da0 w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cb y4da0 wde7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cc y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cd y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ce y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cf y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d0 y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d1 y4d09 wd18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d2 y4d09 wde8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d3 y4d09 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d4 y4d09 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d5 y4d09 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d6 y4d09 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d7 y4d09 wde9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,551<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d8 y4dbd wdea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,510<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d9 y4dbd w555 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,294)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15da y4dbd w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15db y4dbd w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dc y4dbd wd30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dd y4dbd wdeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15de y4dbd wdec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15df y4dbe w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e0 y4dbe w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e1 y4dbe wded hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e2 y4dbe wdee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e3 y4dbe w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">8,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e4 y4dbe wdef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,277)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e5 y4dbe wdf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,510<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e6 y4ac6 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e7 y4ac6 w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e8 y4ac6 wdf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e9 y4ac6 w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ea y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15eb y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4d0e w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ed y4d0e wdf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ee y4d0e wdf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ef y4d0e wdf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1359 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f0 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wdd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f1 y4aa1 wdf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f2 y4aa1 wdf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,246<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f3 y4aa1 wdf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f4 y4aa1 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f5 y4aa1 wdf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f6 y4aa1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,260<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f7 y4aa1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wdf9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f8 y4b3c wdfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f9 y4b3c wdfb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(26,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fa y4b3c wdfc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fb y4b3c w738 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fc y4b3c w10d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _0\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fd y4b3c wdfd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">(<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4b3c w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">92,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdfe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fe y4aa3 wdff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(62,242)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ff y4aa3 we00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4aa3 w19b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(25,414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1601 y4aa3 we01 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1602 y4aa3 we02 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1603 y4aa3 wc1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1604 y4aa3 we03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>154)<span class=\"_ _3e0\"> </span></div></td></tr></table>The Group has not r<span class=\"_ _0\"></span>ecognised a def<span class=\"_ _0\"></span>erred tax liability<span class=\"_ _0\"></span> for its r<span class=\"_ _0\"></span>eceivable under set<span class=\"_ _0\"></span>tlement discussed in Note 10, as the r<span class=\"_ _0\"></span>eceivable is originated in a subsidiary subject to income tax<span class=\"_ _0\"></span> only on distributed pr<span class=\"_ _0\"></span>ofits and the Group does not e<span class=\"_ _0\"></span>xpect to use these proc<span class=\"_ _0\"></span>eeds for<span class=\"_ gs7d\"> </span>distribution.<span class=\"_ _3e0\"> </span>18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-779": {
   "value": "17<span class=\"_ _5\"></span>. T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span>The corporat<span class=\"_ _0\"></span>e income tax expense in <span class=\"_ _0\"></span>the income statement comprises:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h145\" id=\"_e41a57de-42ef-4e0a-b65b-1c1e6c23895a\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wd91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome benefit/(e<span class=\"_ _0\"></span>xpense)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1526 y4b45 wd92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(324,<span class=\"_ _2\"></span>452)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1527 y4b45 wd93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(137<span class=\"_ _d\"></span>,430)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4b45 wd94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(111,652)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax benefit/(<span class=\"_ _0\"></span>expense<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1529 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152a y4adf wc4f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152b y4adf waa8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152d y4aa3 w131 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152e y4aa3 w132 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>The income tax r<span class=\"_ _0\"></span>ate applicable to most of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income is the income tax r<span class=\"_ _0\"></span>ate applicable to subsidiaries\u2019 inc<span class=\"_ _0\"></span>ome, which ranges fr<span class=\"_ _0\"></span>om 15% to 25% (2022: fr<span class=\"_ _0\"></span>om 15% to 25%, 2021: f<span class=\"_ _0\"></span>rom 15% to 25%).<span class=\"_ _3e0\"> </span>On 12 June 2018, an amendmen<span class=\"_ _0\"></span>t to the curren<span class=\"_ _0\"></span>t corporate tax<span class=\"_ _0\"></span>ation model applicable to financial institutions, including banks and insurance businesses, bec<span class=\"_ _0\"></span>ame effective<span class=\"_ _0\"></span>. The change implied a zer<span class=\"_ _0\"></span>o corporate <span class=\"_ _0\"></span>tax rate on r<span class=\"_ _0\"></span>etained earnings and a 15% corporate <span class=\"_ _0\"></span>tax rate on distributed earnings starting fr<span class=\"_ _0\"></span>om 1 January 2023. On 16 December<span class=\"_ _0\"></span> 2022, an amendment to the corpor<span class=\"_ _0\"></span>ate tax code was passed in<span class=\"_ _0\"></span>to<span class=\"_ _2\"></span> law abolishing the expected transition to t<span class=\"_ _0\"></span>axation on distributed earnings from 1 January 2023. Ac<span class=\"_ _0\"></span>cording to the amendment, which became eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023, e<span class=\"_ _0\"></span>xisting taxation rule<span class=\"_ _0\"></span>s for <span class=\"_ _0\"></span>financial institutions, including banks, are to be maintained. <span class=\"_ _0\"></span>At the same time, the e<span class=\"_ _0\"></span>xisting corporate <span class=\"_ _0\"></span>tax rate f<span class=\"_ _0\"></span>or banks increased <span class=\"_ _0\"></span>from 15% t<span class=\"_ _0\"></span>o 20% from 2023 going <span class=\"_ _0\"></span>forward. In addition, <span class=\"_ _0\"></span>with effect f<span class=\"_ _0\"></span>rom 2023, tax<span class=\"_ _0\"></span>able interest income and deductible ECLs on loans t<span class=\"_ _0\"></span>o customers will be defined as per IFRS, instead of<span class=\"_ _0\"></span> local NBG regulations. T<span class=\"_ _d\"></span>ransition diff<span class=\"_ _0\"></span>erences in ECLs and inter<span class=\"_ _0\"></span>est income will be tax<span class=\"_ _0\"></span>ed one-off at 15% and 20% r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _2\"></span> The change had an immediate impact on deferr<span class=\"_ _0\"></span>ed tax asset and def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> liability balances attributable to pr<span class=\"_ _0\"></span>eviously<span class=\"_ _0\"></span> recognised temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising from prior<span class=\"_ _0\"></span> periods. As at 31 December 2022, def<span class=\"_ _0\"></span>erred tax asse<span class=\"_ _0\"></span>ts and liabilities balances were  remeasur<span class=\"_ _0\"></span>ed, in line with the updated legislation. <span class=\"_ _0\"></span>The change resulted in a material one-off<span class=\"_ _0\"></span> deferr<span class=\"_ _0\"></span>ed tax charge as pr<span class=\"_ _0\"></span>eviously the Bank rec<span class=\"_ _0\"></span>ognised deferred <span class=\"_ _0\"></span>taxes only<span class=\"_ _0\"></span> to the exten<span class=\"_ _0\"></span>t they<span class=\"_ _0\"></span> were e<span class=\"_ _0\"></span>xpected to realise bef<span class=\"_ _0\"></span>ore 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023. The eff<span class=\"_ _0\"></span>ective income tax r<span class=\"_ _0\"></span>ate differ<span class=\"_ _0\"></span>s from <span class=\"_ _0\"></span>the statutory income tax r<span class=\"_ _0\"></span>ates. As at 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and 31 December 2021, a r<span class=\"_ _0\"></span>econciliation of the income <span class=\"_ _0\"></span>tax expense based on statutory r<span class=\"_ _0\"></span>ates with the actual expense is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w95c h146\" id=\"_9dd81b7c-f89b-4288-af65-524352f6bdac\"><tr><td></td><td></td><td class=\"t m1 x51e h77 y4d9d ffb fs1d fc1 sc0 ls0 ws0\">For the six months ended </td><td></td></tr><tr><td></td><td class=\"c n x8d8 y4d9e w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d9e w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d9e w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d9f w12d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2a5 y4d9f w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152f y4d9f w123 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,634<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1530 y4d9f w57d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">801,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 wd98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Statutory tax<span class=\"_ _0\"></span> rate in Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1531 y4da0 wd99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1532 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1533 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d wd9b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Theoretic<span class=\"_ _0\"></span>al income tax expens<span class=\"_ _0\"></span>e at average tax r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1534 y4b4d wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(331,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1535 y4b4d wd9d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(245,<span class=\"_ _0\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1536 y4b4d wd9e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(120,291)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wd9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-tax<span class=\"_ _0\"></span>able income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1537 y4b40 wda0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1538 y4b40 wda1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4b40 wda2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,6<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 wda3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4da1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,520<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1539 y4da1 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,229)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153a y4da1 w992 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>931)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wda4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Correction of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span> declarations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3 y4b42 wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,342)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153b y4b42 w1f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,846)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153c y4b42 wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wda6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax at the domestic r<span class=\"_ _0\"></span>ates applicable to pro<span class=\"_ _0\"></span>fits in each country<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153d y4b43 wda7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,00<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153e y4b43 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>991)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153f y4b43 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d wda8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ects from changes in <span class=\"_ _0\"></span>tax legislation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1540 y4c9d wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1541 y4c9d wda9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,07<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b45 wdab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1543 y4b46 w161 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>916)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1544 y4b46 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1545 y4b46 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1546 y4aa3 wdac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1547 y4aa3 wdad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>Applicable tax<span class=\"_ _0\"></span>es in Georgia and Belarus include corpor<span class=\"_ _0\"></span>ate income tax (pr<span class=\"_ _0\"></span>ofit tax), individuals\u2019 withholding tax<span class=\"_ _0\"></span>es, property <span class=\"_ _0\"></span>tax and value added tax, among others. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, regulations are o<span class=\"_ _0\"></span>ften unclear or non-e<span class=\"_ _0\"></span>xistent and f<span class=\"_ _0\"></span>ew preceden<span class=\"_ _0\"></span>ts have been established. This creates <span class=\"_ _0\"></span>tax risks in Georgia and Belarus, substantially<span class=\"_ _0\"></span> more significan<span class=\"_ _0\"></span>t than typically <span class=\"_ _0\"></span>found in countries <span class=\"_ _0\"></span>with more developed tax<span class=\"_ _0\"></span> systems. Management believ<span class=\"_ _0\"></span>es that the Group is in substan<span class=\"_ _0\"></span>tial compliance with the tax<span class=\"_ _0\"></span> laws affecting its oper<span class=\"_ _0\"></span>ations. However<span class=\"_ _d\"></span>, the risk remains <span class=\"_ _0\"></span>that relevant authorities c<span class=\"_ _0\"></span>ould take dif<span class=\"_ _0\"></span>fering positions with r<span class=\"_ _0\"></span>egard to interpr<span class=\"_ _0\"></span>etative issues.<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, income <span class=\"_ _0\"></span>tax assets and liabilities consist of the <span class=\"_ _0\"></span>following:<span class=\"_ _3e0\"> </span><table class=\"s wdae h11a\" id=\"_467c834c-5973-4199-a182-cc2bb0727712\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wdaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1548 y4a9e w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1549 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f wdb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154b y4a9f w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154c y4a9f wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154d y4a9f w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 wdb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154e y4aa0 wdb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154f y4aa0 w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1550 y4aa0 wdb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1551 y4b45 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1552 y4b45 wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1553 y4b45 wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wdb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1554 y4b46 wdb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _0\"></span>18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4b46 wdb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1555 y4b46 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1556 y4aa3 wdbb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1557 y4aa3 wdbc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201 y4aa3 w7a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr></table>Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities as at<span class=\"_ gs7d\"> </span>31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, and their movements <span class=\"_ _0\"></span>for <span class=\"_ _0\"></span>the respective <span class=\"_ _0\"></span>years, are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w61c h147\" id=\"_de6d3aa3-cc71-4a3b-b5be-03d51d2f4328\"><tr><td></td><td></td><td class=\"t m1 x1558 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x557 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x565 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x52d h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x5c6 h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x2f7 h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\" colspan=\"2\">In the income </td><td></td><td class=\"t m1 x53d h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td><td class=\"t m1 x12ed h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td></tr><tr><td></td><td class=\"t m1 x1559 h77 y4da5 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"c n x155a y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155b y4da6 w25 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155c y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155d y4da6 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52b y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155e y4da6 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4da7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> deductible temporary </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4da8 ffb fs8 fc1 sc0 ls0 ws0\">differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4da9 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155f y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1560 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1561 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1562 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1563 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4da9 wdbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>30)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1565 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daa w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1568 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1569 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156a y4daa w29e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156b y4daa w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dab w4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156c y4dab wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156d y4dab wdc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156e y4dab wdc1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156f y4dab w54b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>954<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4dab wdc2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1571 y4dab wdc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4dab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dac wdc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance pr<span class=\"_ _0\"></span>emiums receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1572 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1573 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1574 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1575 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1576 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dad ff2 fs8 fc1 sc0 ls0 ws0\">Allowances f<span class=\"_ _0\"></span>or impairment and pr<span class=\"_ _0\"></span>ovisions </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4dae wdc5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">for<span class=\"_ _0\"></span> other losses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1577 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1311 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1312 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1313 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1314 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1315 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1578 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daf wdc6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax losses carried f<span class=\"_ _0\"></span>orward<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157c y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157d y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157e y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db0 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157f y4db0 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4db0 wdc8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1581 y4db0 wdc9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1582 y4db0 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1583 y4db0 w6be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1584 y4db0 wdca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,072)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1585 y4db0 wdcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db1 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db2 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158c y4db2 w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158d y4db2 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158e y4db2 wdcc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158f y4db2 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">338<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4db3 wdcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1591 y4db3 wdce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1592 y4db3 wdcf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,77<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1593 y4db3 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1594 y4db3 wdd0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>159<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1595 y4db3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89e y4db3 wdd1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db4 w7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4db4 wdd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1597 y4db4 w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1598 y4db4 wdd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1599 y4db4 wdd4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159a y4db4 wdd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159b y4db4 wdd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159c y4db4 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db5 wdd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159d y4db5 wdd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159e y4db5 wdd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">368<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159f y4db5 wb29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a0 y4db5 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,845<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a1 y4db5 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,280<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a2 y4db5 wdda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a3 y4db5 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db6 wddb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a4 y4db6 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a5 y4db6 wddc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a6 y4db6 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a7 y4db6 wbda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,3<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a8 y4db6 wddd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">70,87<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a9 y4db6 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4db6 wdde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4db7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> taxable t<span class=\"_ _0\"></span>emporary differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4db8 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ab y4db8 wddf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ac y4db8 wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ad y4db8 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ae y4db8 w93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15af y4db8 w913 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b0 y4db8 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b1 y4db8 w567 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b2 y4db9 wde0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b3 y4db9 w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b4 y4db9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b5 y4db9 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b6 y4db9 wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b7 y4db9 wde2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b8 y4db9 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dba w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b9 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ba y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bb y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bc y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bd y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15be y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbb w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bf y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c0 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c1 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dbc ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d07 wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c3 y4d07 wde4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c4 y4d07 wde5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>192)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c5 y4d07 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,87<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c6 y4d07 wde6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,69<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c7 y4d07 w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c8 y4d07 wd94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,006<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c9 y4d07 w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ca y4da0 w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cb y4da0 wde7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cc y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cd y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ce y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cf y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d0 y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d1 y4d09 wd18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d2 y4d09 wde8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d3 y4d09 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d4 y4d09 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d5 y4d09 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d6 y4d09 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d7 y4d09 wde9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,551<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d8 y4dbd wdea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,510<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d9 y4dbd w555 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,294)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15da y4dbd w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15db y4dbd w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dc y4dbd wd30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dd y4dbd wdeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15de y4dbd wdec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15df y4dbe w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e0 y4dbe w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e1 y4dbe wded hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e2 y4dbe wdee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e3 y4dbe w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">8,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e4 y4dbe wdef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,277)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e5 y4dbe wdf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,510<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e6 y4ac6 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e7 y4ac6 w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e8 y4ac6 wdf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e9 y4ac6 w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ea y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15eb y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4d0e w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ed y4d0e wdf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ee y4d0e wdf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ef y4d0e wdf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1359 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f0 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wdd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f1 y4aa1 wdf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f2 y4aa1 wdf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,246<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f3 y4aa1 wdf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f4 y4aa1 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f5 y4aa1 wdf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f6 y4aa1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,260<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f7 y4aa1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wdf9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f8 y4b3c wdfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f9 y4b3c wdfb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(26,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fa y4b3c wdfc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fb y4b3c w738 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fc y4b3c w10d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _0\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fd y4b3c wdfd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">(<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4b3c w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">92,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdfe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fe y4aa3 wdff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(62,242)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ff y4aa3 we00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4aa3 w19b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(25,414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1601 y4aa3 we01 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1602 y4aa3 we02 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1603 y4aa3 wc1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1604 y4aa3 we03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>154)<span class=\"_ _3e0\"> </span></div></td></tr></table>The Group has not r<span class=\"_ _0\"></span>ecognised a def<span class=\"_ _0\"></span>erred tax liability<span class=\"_ _0\"></span> for its r<span class=\"_ _0\"></span>eceivable under set<span class=\"_ _0\"></span>tlement discussed in Note 10, as the r<span class=\"_ _0\"></span>eceivable is originated in a subsidiary subject to income tax<span class=\"_ _0\"></span> only on distributed pr<span class=\"_ _0\"></span>ofits and the Group does not e<span class=\"_ _0\"></span>xpect to use these proc<span class=\"_ _0\"></span>eeds for<span class=\"_ gs7d\"> </span>distribution.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-806": {
   "value": "17<span class=\"_ _5\"></span>. T<span class=\"_ _5\"></span>axation<span class=\"_ _3e0\"> </span>The corporat<span class=\"_ _0\"></span>e income tax expense in <span class=\"_ _0\"></span>the income statement comprises:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h145\" id=\"_e41a57de-42ef-4e0a-b65b-1c1e6c23895a\"><tr><td></td><td class=\"c n x8d8 y4c9a w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c9a w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c9a w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wd91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome benefit/(e<span class=\"_ _0\"></span>xpense)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1526 y4b45 wd92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(324,<span class=\"_ _2\"></span>452)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1527 y4b45 wd93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(137<span class=\"_ _d\"></span>,430)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4b45 wd94 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(111,652)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wd95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax benefit/(<span class=\"_ _0\"></span>expense<span class=\"_ _d\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1529 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152a y4adf wc4f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152b y4adf waa8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152d y4aa3 w131 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152e y4aa3 w132 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>The income tax r<span class=\"_ _0\"></span>ate applicable to most of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s income is the income tax r<span class=\"_ _0\"></span>ate applicable to subsidiaries\u2019 inc<span class=\"_ _0\"></span>ome, which ranges fr<span class=\"_ _0\"></span>om 15% to 25% (2022: fr<span class=\"_ _0\"></span>om 15% to 25%, 2021: f<span class=\"_ _0\"></span>rom 15% to 25%).<span class=\"_ _3e0\"> </span>On 12 June 2018, an amendmen<span class=\"_ _0\"></span>t to the curren<span class=\"_ _0\"></span>t corporate tax<span class=\"_ _0\"></span>ation model applicable to financial institutions, including banks and insurance businesses, bec<span class=\"_ _0\"></span>ame effective<span class=\"_ _0\"></span>. The change implied a zer<span class=\"_ _0\"></span>o corporate <span class=\"_ _0\"></span>tax rate on r<span class=\"_ _0\"></span>etained earnings and a 15% corporate <span class=\"_ _0\"></span>tax rate on distributed earnings starting fr<span class=\"_ _0\"></span>om 1 January 2023. On 16 December<span class=\"_ _0\"></span> 2022, an amendment to the corpor<span class=\"_ _0\"></span>ate tax code was passed in<span class=\"_ _0\"></span>to<span class=\"_ _2\"></span> law abolishing the expected transition to t<span class=\"_ _0\"></span>axation on distributed earnings from 1 January 2023. Ac<span class=\"_ _0\"></span>cording to the amendment, which became eff<span class=\"_ _0\"></span>ective fr<span class=\"_ _0\"></span>om 1 January 2023, e<span class=\"_ _0\"></span>xisting taxation rule<span class=\"_ _0\"></span>s for <span class=\"_ _0\"></span>financial institutions, including banks, are to be maintained. <span class=\"_ _0\"></span>At the same time, the e<span class=\"_ _0\"></span>xisting corporate <span class=\"_ _0\"></span>tax rate f<span class=\"_ _0\"></span>or banks increased <span class=\"_ _0\"></span>from 15% t<span class=\"_ _0\"></span>o 20% from 2023 going <span class=\"_ _0\"></span>forward. In addition, <span class=\"_ _0\"></span>with effect f<span class=\"_ _0\"></span>rom 2023, tax<span class=\"_ _0\"></span>able interest income and deductible ECLs on loans t<span class=\"_ _0\"></span>o customers will be defined as per IFRS, instead of<span class=\"_ _0\"></span> local NBG regulations. T<span class=\"_ _d\"></span>ransition diff<span class=\"_ _0\"></span>erences in ECLs and inter<span class=\"_ _0\"></span>est income will be tax<span class=\"_ _0\"></span>ed one-off at 15% and 20% r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _2\"></span> The change had an immediate impact on deferr<span class=\"_ _0\"></span>ed tax asset and def<span class=\"_ _0\"></span>erred tax<span class=\"_ _0\"></span> liability balances attributable to pr<span class=\"_ _0\"></span>eviously<span class=\"_ _0\"></span> recognised temporary dif<span class=\"_ _0\"></span>ferenc<span class=\"_ _0\"></span>es arising from prior<span class=\"_ _0\"></span> periods. As at 31 December 2022, def<span class=\"_ _0\"></span>erred tax asse<span class=\"_ _0\"></span>ts and liabilities balances were  remeasur<span class=\"_ _0\"></span>ed, in line with the updated legislation. <span class=\"_ _0\"></span>The change resulted in a material one-off<span class=\"_ _0\"></span> deferr<span class=\"_ _0\"></span>ed tax charge as pr<span class=\"_ _0\"></span>eviously the Bank rec<span class=\"_ _0\"></span>ognised deferred <span class=\"_ _0\"></span>taxes only<span class=\"_ _0\"></span> to the exten<span class=\"_ _0\"></span>t they<span class=\"_ _0\"></span> were e<span class=\"_ _0\"></span>xpected to realise bef<span class=\"_ _0\"></span>ore 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2023. The eff<span class=\"_ _0\"></span>ective income tax r<span class=\"_ _0\"></span>ate differ<span class=\"_ _0\"></span>s from <span class=\"_ _0\"></span>the statutory income tax r<span class=\"_ _0\"></span>ates. As at 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and 31 December 2021, a r<span class=\"_ _0\"></span>econciliation of the income <span class=\"_ _0\"></span>tax expense based on statutory r<span class=\"_ _0\"></span>ates with the actual expense is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w95c h146\" id=\"_9dd81b7c-f89b-4288-af65-524352f6bdac\"><tr><td></td><td></td><td class=\"t m1 x51e h77 y4d9d ffb fs1d fc1 sc0 ls0 ws0\">For the six months ended </td><td></td></tr><tr><td></td><td class=\"c n x8d8 y4d9e w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d9e w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d9e w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d9f w12d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Profit bef<span class=\"_ _0\"></span>ore income t<span class=\"_ _0\"></span>ax expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2a5 y4d9f w127 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,656,298<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152f y4d9f w123 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,634<span class=\"_ _2\"></span>,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1530 y4d9f w57d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">801,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 wd98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Statutory tax<span class=\"_ _0\"></span> rate in Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1531 y4da0 wd99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1532 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1533 y4da0 wd9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4d wd9b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Theoretic<span class=\"_ _0\"></span>al income tax expens<span class=\"_ _0\"></span>e at average tax r<span class=\"_ _0\"></span>ate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1534 y4b4d wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(331,260)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1535 y4b4d wd9d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(245,<span class=\"_ _0\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1536 y4b4d wd9e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(120,291)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wd9f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-tax<span class=\"_ _0\"></span>able income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1537 y4b40 wda0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1538 y4b40 wda1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14a3 y4b40 wda2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,6<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 wda3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1050 y4da1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,520<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1539 y4da1 w9f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,229)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153a y4da1 w992 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>931)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wda4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Correction of<span class=\"_ _0\"></span> prior year<span class=\"_ _0\"></span> declarations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3 y4b42 wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,342)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153b y4b42 w1f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,846)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153c y4b42 wafe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wda6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax at the domestic r<span class=\"_ _0\"></span>ates applicable to pro<span class=\"_ _0\"></span>fits in each country<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153d y4b43 wda7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,00<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153e y4b43 w45e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>991)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x153f y4b43 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,401)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d wda8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ects from changes in <span class=\"_ _0\"></span>tax legislation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1540 y4c9d wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1541 y4c9d wda9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(53,07<span class=\"_ _0\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax deductible expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b45 wdab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1543 y4b46 w161 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _0\"></span>916)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1544 y4b46 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1545 y4b46 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wd96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax e<span class=\"_ _0\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x152c y4aa3 wd97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(258,<span class=\"_ _0\"></span>971)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1546 y4aa3 wdac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(190,651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1547 y4aa3 wdad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(74,824)<span class=\"_ _3e0\"> </span></div></td></tr></table>Applicable tax<span class=\"_ _0\"></span>es in Georgia and Belarus include corpor<span class=\"_ _0\"></span>ate income tax (pr<span class=\"_ _0\"></span>ofit tax), individuals\u2019 withholding tax<span class=\"_ _0\"></span>es, property <span class=\"_ _0\"></span>tax and value added tax, among others. Howe<span class=\"_ _0\"></span>ver<span class=\"_ _d\"></span>, regulations are o<span class=\"_ _0\"></span>ften unclear or non-e<span class=\"_ _0\"></span>xistent and f<span class=\"_ _0\"></span>ew preceden<span class=\"_ _0\"></span>ts have been established. This creates <span class=\"_ _0\"></span>tax risks in Georgia and Belarus, substantially<span class=\"_ _0\"></span> more significan<span class=\"_ _0\"></span>t than typically <span class=\"_ _0\"></span>found in countries <span class=\"_ _0\"></span>with more developed tax<span class=\"_ _0\"></span> systems. Management believ<span class=\"_ _0\"></span>es that the Group is in substan<span class=\"_ _0\"></span>tial compliance with the tax<span class=\"_ _0\"></span> laws affecting its oper<span class=\"_ _0\"></span>ations. However<span class=\"_ _d\"></span>, the risk remains <span class=\"_ _0\"></span>that relevant authorities c<span class=\"_ _0\"></span>ould take dif<span class=\"_ _0\"></span>fering positions with r<span class=\"_ _0\"></span>egard to interpr<span class=\"_ _0\"></span>etative issues.<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, income <span class=\"_ _0\"></span>tax assets and liabilities consist of the <span class=\"_ _0\"></span>following:<span class=\"_ _3e0\"> </span><table class=\"s wdae h11a\" id=\"_467c834c-5973-4199-a182-cc2bb0727712\"><tr><td></td><td class=\"c n x8d8 y4c98 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4c98 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4c98 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wdaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1548 y4a9e w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1549 y4a9e w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4a9e w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f wdb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154b y4a9f w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">464<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154c y4a9f wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154d y4a9f w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 wdb2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154e y4aa0 wdb3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154f y4aa0 w9b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1550 y4aa0 wdb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wdb5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current inc<span class=\"_ _0\"></span>ome tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1551 y4b45 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1552 y4b45 wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1553 y4b45 wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wdb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1554 y4b46 wdb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _0\"></span>18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b5 y4b46 wdb9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1555 y4b46 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1556 y4aa3 wdbb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1557 y4aa3 wdbc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _0\"></span>,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201 y4aa3 w7a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr></table>Deferr<span class=\"_ _0\"></span>ed tax assets and liabilities as at<span class=\"_ gs7d\"> </span>31 December<span class=\"_ _0\"></span> 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, and their movements <span class=\"_ _0\"></span>for <span class=\"_ _0\"></span>the respective <span class=\"_ _0\"></span>years, are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w61c h147\" id=\"_de6d3aa3-cc71-4a3b-b5be-03d51d2f4328\"><tr><td></td><td></td><td class=\"t m1 x1558 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x557 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td><td class=\"t m1 x565 h77 y4da2 ffb fs1d fc1 sc0 ls0 ws0\">Origination and rev<span class=\"_ _0\"></span>ersal of </td><td></td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x52d h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x5c6 h77 y4da3 ffb fs1d fc1 sc0 ls0 ws0\">temporary diff<span class=\"_ _0\"></span>erences<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x2f7 h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\" colspan=\"2\">In the income </td><td></td><td class=\"t m1 x53d h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td><td class=\"t m1 x12ed h77 y4da4 ffb fs1d fc1 sc0 ls0 wse4\">In the income </td><td></td></tr><tr><td></td><td class=\"t m1 x1559 h77 y4da5 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"c n x155a y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155b y4da6 w25 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155c y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155d y4da6 w41d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x52b y4da6 wdbd hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">statement<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155e y4da6 w41e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4da7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> deductible temporary </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4da8 ffb fs8 fc1 sc0 ls0 ws0\">differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4da9 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x155f y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1560 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1561 y4da9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1562 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1563 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4da9 wdbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(<span class=\"_ _2\"></span>30)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1565 y4da9 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daa w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4daa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1568 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1569 y4daa w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156a y4daa w29e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156b y4daa w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(19<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dab w4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156c y4dab wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156d y4dab wdc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156e y4dab wdc1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x156f y4dab w54b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>954<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4dab wdc2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>121<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1571 y4dab wdc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1001 y4dab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dac wdc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance pr<span class=\"_ _0\"></span>emiums receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1572 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1573 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe05 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1574 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1575 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1576 y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60d y4dac wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dad ff2 fs8 fc1 sc0 ls0 ws0\">Allowances f<span class=\"_ _0\"></span>or impairment and pr<span class=\"_ _0\"></span>ovisions </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4dae wdc5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">for<span class=\"_ _0\"></span> other losses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1577 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1311 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1312 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1313 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1314 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1315 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1578 y4dae wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4daf wdc6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax losses carried f<span class=\"_ _0\"></span>orward<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157c y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157d y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157e y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd84 y4daf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db0 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157f y4db0 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4db0 wdc8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1581 y4db0 wdc9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1582 y4db0 wb2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1583 y4db0 w6be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1584 y4db0 wdca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,072)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1585 y4db0 wdcb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db1 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4db1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db2 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1579 y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157a y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4db2 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158c y4db2 w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158d y4db2 w92d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158e y4db2 wdcc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158f y4db2 w78f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">338<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4db3 wdcd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1591 y4db3 wdce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,236)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1592 y4db3 wdcf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,77<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1593 y4db3 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1594 y4db3 wdd0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>159<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1595 y4db3 w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89e y4db3 wdd1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db4 w7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4db4 wdd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1597 y4db4 w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1598 y4db4 wdd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>744<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1599 y4db4 wdd4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159a y4db4 wdd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159b y4db4 wdd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,393<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159c y4db4 w9ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db5 wdd7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159d y4db5 wdd8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159e y4db5 wdd9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">368<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x159f y4db5 wb29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a0 y4db5 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,845<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a1 y4db5 w942 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,280<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a2 y4db5 wdda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a3 y4db5 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,719<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db6 wddb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a4 y4db6 waa5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a5 y4db6 wddc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a6 y4db6 w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a7 y4db6 wbda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,3<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a8 y4db6 wddd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">70,87<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15a9 y4db6 wc5f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4db6 wdde hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">78,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4db7 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ax effect of<span class=\"_ _0\"></span> taxable t<span class=\"_ _0\"></span>emporary differ<span class=\"_ _0\"></span>ences:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4db8 w232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ab y4db8 wddf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ac y4db8 wdbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">59<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ad y4db8 w7f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ae y4db8 w93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15af y4db8 w913 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b0 y4db8 w670 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(651)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b1 y4db8 w567 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4db9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b2 y4db9 wde0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b3 y4db9 w6ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(932)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b4 y4db9 w3c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b5 y4db9 wbe7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b6 y4db9 wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b7 y4db9 wde2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b8 y4db9 wbb4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dba w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15b9 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ba y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bb y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bc y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bd y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15be y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c5 y4dba wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbb w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1566 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf6a y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1567 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15bf y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c0 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c1 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4dbb wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dbc ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d07 wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c3 y4d07 wde4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _2\"></span>4,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c4 y4d07 wde5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(24<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>192)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c5 y4d07 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,87<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c6 y4d07 wde6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,69<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c7 y4d07 w1aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">60,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c8 y4d07 wd94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57<span class=\"_ _d\"></span>,006<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c9 y4d07 w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ca y4da0 w7a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cb y4da0 wde7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(1<span class=\"_ _2\"></span>76)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cc y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cd y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ce y4da0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15cf y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d0 y4da0 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d1 y4d09 wd18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d2 y4d09 wde8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,<span class=\"_ _d\"></span>121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d3 y4d09 wcf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d4 y4d09 w8b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,3<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d5 y4d09 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d6 y4d09 wae1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d7 y4d09 wde9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,551<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d8 y4dbd wdea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,510<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15d9 y4dbd w555 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,294)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15da y4dbd w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15db y4dbd w87b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dc y4dbd wd30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15dd y4dbd wdeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15de y4dbd wdec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,5<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15df y4dbe w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e0 y4dbe w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e1 y4dbe wded hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e2 y4dbe wdee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e3 y4dbe w97a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">8,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e4 y4dbe wdef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,277)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e5 y4dbe wdf0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,510<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1586 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1587 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1588 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1589 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158a y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x158b y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e6 y4d0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e6 y4ac6 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e7 y4ac6 w6a0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,055)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e8 y4ac6 wdf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15e9 y4ac6 w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>5)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ea y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15eb y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4ac6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4d0e w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ed y4d0e wdf2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(180)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ee y4d0e wdf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ef y4d0e wdf4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(113)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1359 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f0 y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1e y4d0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wdd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets and liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f1 y4aa1 wdf5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f2 y4aa1 wdf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,246<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f3 y4aa1 wdf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f4 y4aa1 w48a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f5 y4aa1 wdf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f6 y4aa1 w2ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,260<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f7 y4aa1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wdf9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f8 y4b3c wdfa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15f9 y4b3c wdfb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(26,020<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fa y4b3c wdfc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fb y4b3c w738 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _d\"></span>,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fc y4b3c w10d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _0\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fd y4b3c wdfd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6b ws9f\">(<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xab4 y4b3c w529 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">92,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdfe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net deferr<span class=\"_ _0\"></span>ed tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15fe y4aa3 wdff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(62,242)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ff y4aa3 we00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">36,828<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4aa3 w19b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(25,414)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1601 y4aa3 we01 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(53,221)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1602 y4aa3 we02 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,635)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1603 y4aa3 wc1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">65,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1604 y4aa3 we03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(13,<span class=\"_ _0\"></span>154)<span class=\"_ _3e0\"> </span></div></td></tr></table>The Group has not r<span class=\"_ _0\"></span>ecognised a def<span class=\"_ _0\"></span>erred tax liability<span class=\"_ _0\"></span> for its r<span class=\"_ _0\"></span>eceivable under set<span class=\"_ _0\"></span>tlement discussed in Note 10, as the r<span class=\"_ _0\"></span>eceivable is originated in a subsidiary subject to income tax<span class=\"_ _0\"></span> only on distributed pr<span class=\"_ _0\"></span>ofits and the Group does not e<span class=\"_ _0\"></span>xpect to use these proc<span class=\"_ _0\"></span>eeds for<span class=\"_ gs7d\"> </span>distribution.<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-807": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-819": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-827": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-831": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-833": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-834": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-837": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-836": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-780": {
   "value": "18.  Other assets and other<span class=\"_ _0\"></span> liabilities<span class=\"_ _3e0\"> </span>Other assets comprise:<span class=\"_ _3e0\"> </span><table class=\"s we04 h148\" id=\"_557789c1-f47e-439e-9e33-25e8ffeb6517\"><tr><td></td><td class=\"c n x8d8 y4dbf w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dbf w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dbf w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc0 we05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Receivable<span class=\"_ _0\"></span>s from r<span class=\"_ _0\"></span>emittance oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4dc0 we06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1606 y4dc0 wbff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,742<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1607 y4dc0 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc1 w397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Inventories<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f1 y4dc1 we07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1608 y4dc1 w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,096<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1609 y4dc1 w3a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,514<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d07 we08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160a y4d07 we09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>932<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160b y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160c y4d07 w561 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,534<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da0 we0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160d y4da0 we0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160e y4da0 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4da0 we0c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,586<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 we0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x160f y4d09 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1610 y4d09 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1528 y4d09 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd we0e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investments in associate<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1611 y4dbd w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,699<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1120 y4dbd w7fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1612 y4dbd we0f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbe we10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1613 y4dbe w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4dbe we11 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1615 y4dbe we12 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c we13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets purchased <span class=\"_ _0\"></span>for financ<span class=\"_ _0\"></span>e lease purposes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1616 y4d0c w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1617 y4d0c we14 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4d0c w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,093<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 we15 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1619 y4ac6 w9b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161a y4ac6 w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0e w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161b y4d0e w40 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc7e y4d0e w7d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161c y4d0e we16 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _2\"></span>487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 we17 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, gr<span class=\"_ _0\"></span>oss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161d y4ac8 we18 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">260,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161e y4ac8 wc80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee3 y4ac8 we19 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">269<span class=\"_ _0\"></span>,728<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we1a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Allowanc<span class=\"_ _0\"></span>e for impairmen<span class=\"_ _0\"></span>t of other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x161f y4b46 w4bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,469)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1620 y4b46 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,225)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1096 y4b46 w101 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,483)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we1c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other assets, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1621 y4aa3 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1622 y4aa3 we1e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1623 y4aa3 we1f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr></table>Other liabilities comprise:<span class=\"_ _3e0\"> </span><table class=\"s we20 h149\" id=\"_94afad65-335a-453c-a136-51893720e35e\"><tr><td></td><td class=\"c n x8d8 y4dc2 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dc2 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dc2 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 we21 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Payables <span class=\"_ _0\"></span>for r<span class=\"_ _0\"></span>emittance operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1624 y4dc3 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59,<span class=\"_ _0\"></span>079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1625 y4dc3 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1626 y4dc3 we22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,457<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c we23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Creditors<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1627 y4b4c we24 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1628 y4b4c we25 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,56<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1629 y4b4c wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,814<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc4 we26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Derivative financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd9e y4dc4 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162a y4dc4 we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162b y4dc4 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 we29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts pay<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4dc5 we2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4dc5 we2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162e y4dc5 we2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>08<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 we2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162f y4b41 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1630 y4b41 we2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1631 y4b41 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,993<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we2f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other taxe<span class=\"_ _0\"></span>s payable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1632 y4dc6 w8a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1633 y4dc6 we30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,50<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4dc6 we31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we32 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dividends payable to non-con<span class=\"_ _0\"></span>trolling shareholder<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1635 y4c0f w844 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,555<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1636 y4c0f we33 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,379<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1637 y4c0f we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>46<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w3cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advances r<span class=\"_ _0\"></span>eceived<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1638 y4b44 w448 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1639 y4b44 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">838<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163a y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Derivatives mar<span class=\"_ _0\"></span>gin<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x946 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd65 y4ade wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">98,844<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163c y4adf w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,504<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163d y4adf wc57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163e y4adf we35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163f y4aa3 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1640 y4aa3 we38 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1641 y4aa3 w4f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the fair<span class=\"_ _0\"></span> values of derivativ<span class=\"_ _0\"></span>e financial instruments, rec<span class=\"_ _0\"></span>orded as assets or liabilities, t<span class=\"_ _0\"></span>ogether with their notional amounts. <span class=\"_ _0\"></span>The notional amount, recorded gr<span class=\"_ _0\"></span>oss, is the amount of a derivativ<span class=\"_ _0\"></span>e\u2019<span class=\"_ _d\"></span>s underlying asset or liability<span class=\"_ _0\"></span>, ref<span class=\"_ _0\"></span>erence r<span class=\"_ _0\"></span>ate or index<span class=\"_ _0\"></span> and is the basis upon which changes in the v<span class=\"_ _0\"></span>alue of derivatives are measur<span class=\"_ _0\"></span>ed. The notional amoun<span class=\"_ _0\"></span>ts indicate the volume of transactions outstanding at the <span class=\"_ _0\"></span>year-end and ar<span class=\"_ _0\"></span>e not indicative of the cr<span class=\"_ _0\"></span>edit risk.<span class=\"_ _3e0\"> </span><table class=\"s we39 h14a\" id=\"_28d0c56c-f591-4b3b-972b-e35d1b8c7c78\"><tr><td></td><td></td><td class=\"t m1 x1642 h77 y4dc7 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1643 h77 y4dc8 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dc9 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1645 h77 y4dca ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1647 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcc ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b42 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1648 y4b42 we3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,099<span class=\"_ _0\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1649 y4b42 we3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,70<span class=\"_ _2\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164a y4b42 we3f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164b y4c0f we41 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,776,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164c y4c0f w71d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164d y4c0f we42 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,06<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dcd ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b45 we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x998 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164f y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa02 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe92 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8 y4aa3 we46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,876,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1650 y4aa3 wd03 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1651 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we47 h14a\" id=\"_2f999d42-b715-48b0-8e61-762901e65dbe\"><tr><td></td><td></td><td class=\"c n x1652 y4dce we48 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1653 y4dce w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4dcf ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1655 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1643 h77 y4dd1 ffb fs1d fc1 sc0 ls0 ws0\">Notional </td><td class=\"t m1 x1644 h77 y4dd0 ffb fs1d fc1 sc0 ls0 wsf5\">Fair value<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4dd2 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1658 y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x1645 h77 y4dd3 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"c n x1659 y4dcb we3a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsac wsfe\">Asset<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165a y4dcb we3b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Liability<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd4 ffb fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign ex<span class=\"_ _0\"></span>change contracts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc6 we3c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 domestic<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165b y4dc6 we49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,392<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165c y4dc6 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165d y4dc6 wa11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165e y4dc6 we4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,065,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x165f y4dc6 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1660 y4dc6 w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1661 y4c0f we4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,615,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1662 y4c0f we4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x755 y4c0f we4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1663 y4c0f we4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,678,<span class=\"_ _0\"></span>727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1664 y4c0f w89c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,321<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1665 y4c0f we50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,339<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dd5 ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ade we43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Forwards and sw<span class=\"_ _0\"></span>aps \u2013 for<span class=\"_ _0\"></span>eign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1666 y4ade w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1667 y4ade we51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1668 y4ade wa5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1669 y4ade w3c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">296<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe73 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we44 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Options \u2013 f<span class=\"_ _0\"></span>oreign (IR)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166b y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166c y4adf we52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,43<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166d y4adf w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166e y4adf we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we45 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal derivativ<span class=\"_ _0\"></span>e assets/liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x166f y4aa3 we54 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,009,<span class=\"_ _0\"></span>085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1670 y4aa3 we55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4aa3 we56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1672 y4aa3 w37d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,752,929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe62 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-736": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs4f8\">19<span class=\"_ _d\"></span>.  Client deposits and notes<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4f9\">The amounts due to customer<span class=\"_ _0\"></span>s include the following:<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s we59 h14b\" id=\"_f25cb452-4992-4580-9afa-6077840c9f8a\"><tr><td></td><td class=\"c n x8d8 y4dd6 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd6 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd6 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 we5a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Current ac<span class=\"_ _0\"></span>counts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1674 y4dd7 we5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>198,454</div></td><td class=\"c n x1675 y4dd7 we5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,002,863</div></td><td class=\"c n x1676 y4dd7 we5d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>7<span class=\"_ _d\"></span>,9<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa0 we5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1677 y4aa0 we5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,324<span class=\"_ _2\"></span>,285</div></td><td class=\"c n x1678 y4aa0 we60 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,258,534</div></td><td class=\"c n x1679 y4aa0 we61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,040,056<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd8 we62 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167a y4dd8 we63 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,522,739</div></td><td class=\"c n x167b y4dd8 we64 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,261,397</div></td><td class=\"c n x167c y4dd8 we65 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,038,00<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Held as security against lett<span class=\"_ _0\"></span>ers of credit and guar<span class=\"_ _0\"></span>antees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167d y4aa3 w143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">334,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167e y4aa3 we67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121,753<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167f y4aa3 we68 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,379<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4fa\">At 31 December 20<span class=\"_ _0\"></span>23, amounts due to customers of GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>955,839 (10%) wer<span class=\"_ _0\"></span>e due to the t<span class=\"_ _0\"></span>en largest customers (2022: GEL<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4fb\">2,<span class=\"_ _0\"></span>107<span class=\"_ _5\"></span>,058 (12%), 2021: GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>953,<span class=\"_ _d\"></span>107 (14%)). </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4fc\">Amounts due to customers include ac<span class=\"_ _0\"></span>counts with the f<span class=\"_ _0\"></span>ollowing types of customer<span class=\"_ _0\"></span>s:<span class=\"_ _3e0\"> </span></div><div class=\"gs4fd\"><table class=\"s we69 h14c\" id=\"_3706aeb8-3ca9-4c3d-9b70-a93dd88aa3ca\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4b44 we6a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,90<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>914</div></td><td class=\"c n x1680 y4b44 we6b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>188,080</div></td><td class=\"c n x4ab y4b44 wa2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,501,021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 we6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Private enterprises<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1681 y4b45 w1e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>120,507</div></td><td class=\"c n x1682 y4b45 we6d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,382<span class=\"_ _2\"></span>,083</div></td><td class=\"c n x1683 y4b45 w61f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>914,845<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 we6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">State and state-owned en<span class=\"_ _0\"></span>tities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1684 y4b46 we6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>4,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1685 y4b46 wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">691,234<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1686 y4b46 we70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">622,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167a y4aa3 we63 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,522,739</div></td><td class=\"c n x167b y4aa3 we64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,261,397</div></td><td class=\"c n x167c y4aa3 we65 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,038,00<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs4fe\">The break<span class=\"_ _0\"></span>down of customer ac<span class=\"_ _0\"></span>counts by<span class=\"_ _0\"></span> industr<span class=\"_ _2\"></span>y sector is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs4ff\"><table class=\"s we69 h14d\" id=\"_64ce2c32-d9e5-4223-ad9f-5bf669883c08\"><tr><td></td><td class=\"c n x8d8 y4dda w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dda w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dda w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddb wb42 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Individuals<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10e4 y4ddb we6a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,90<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>914</div></td><td class=\"c n x1680 y4ddb we6b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>188,080</div></td><td class=\"c n x4ab y4ddb wa2e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,501,021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddc wb57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial intermediation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1687 y4ddc we71 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,451,014</div></td><td class=\"c n x1688 y4ddc we72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,261,530</div></td><td class=\"c n x1689 y4ddc we73 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc3 wb4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x168a y4dc3 we74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,36<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,858</div></td><td class=\"c n x168b y4dc3 we75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>158,9<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x168c y4dc3 w190 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">853,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c wb58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Construction<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x168d y4b4c w53d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>140,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x168e y4b4c we76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">796,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x824 y4b4c w27c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">664<span class=\"_ _2\"></span>,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wb5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Service<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x168f y4b3f we77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">822,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1690 y4b3f w834 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">709<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8dd y4b3f w618 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _2\"></span>45,<span class=\"_ _d\"></span>130<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 wb5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ransport and communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1691 y4dc5 we78 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">639<span class=\"_ _d\"></span>,882<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1692 y4dc5 wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">513,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1693 y4dc5 we79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,243<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wb4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Manufacturing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1694 y4b41 we7a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">492,647<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1695 y4b41 we7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">759<span class=\"_ _d\"></span>,005<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1696 y4b41 we7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,095<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 we7d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Government services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1697 y4b42 we7e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>45,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1698 y4b42 wa1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">682,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x882 y4b42 we7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">613,710<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f wb46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Real estate<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1699 y4c0f wc34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">344,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169a y4c0f wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">232,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169b y4c0f w629 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">214,082<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wb51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Hospitality<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169c y4b44 we80 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,<span class=\"_ _d\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169d y4b44 wb5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169e y4b44 waf7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,375<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wb54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Electricity<span class=\"_ _0\"></span>, gas and water<span class=\"_ _0\"></span> supply<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x169f y4b45 w612 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,384<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a0 y4b45 we81 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">186,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a1 y4b45 w616 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,244<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a2 y4adf we82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">725,56<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a3 y4adf w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">599<span class=\"_ _d\"></span>,772<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a4 y4adf we83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">520,<span class=\"_ _d\"></span>145<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we62 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x167a y4aa3 we63 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,522,739</div></td><td class=\"c n x167b y4aa3 we64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,261,397</div></td><td class=\"c n x167c y4aa3 we65 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,038,00<span class=\"_ _0\"></span>2</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-737": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs501\">20.  Amoun<span class=\"_ _0\"></span>ts owed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs502\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions comprise: </div><div class=\"gs4a1\"><table class=\"s we84 h14e\" id=\"_9253a6b3-d94f-4b1a-8d84-4533ea69a32c\"><tr><td></td><td class=\"c n x8d8 y4ddd w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4ddd w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4ddd w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dde we85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Short-term loans fr<span class=\"_ _0\"></span>om the NBG<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a5 y4dde wa2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>101,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a6 y4dde we86 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,715,257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a7 y4dde w1bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>413,333<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b we87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Borrowings <span class=\"_ _0\"></span>from international cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a8 y4d0b we88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,79<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a9 y4d0b w197 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16aa y4d0b we89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,839,<span class=\"_ _d\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddf we8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits and inter-bank loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ab y4ddf w125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ac y4ddf w62a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>,638<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ad y4ddf we8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de0 we8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corresponden<span class=\"_ _0\"></span>t accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ae y4de0 we8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">431,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16af y4de0 we8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b0 y4de0 we8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">170,410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x16b1 y4b4f we90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,457<span class=\"_ _d\"></span>,963<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b2 y4b4f w1cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,592<span class=\"_ _2\"></span>,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b3 y4b4f wa5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,649<span class=\"_ _0\"></span>,679<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-convertible subor<span class=\"_ _0\"></span>dinated debt<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b4 y4ade we92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">562,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b5 y4ade we93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">537<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b6 y4ade we94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,7<span class=\"_ _0\"></span>66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws20\">Additional Tier 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8a y4adf wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,526<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b7 y4adf wb39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b8 y4aa3 we97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b9 y4aa3 we98 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ba y4aa3 w9ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs503\">During the y<span class=\"_ _0\"></span>ear ended 31 December 2023, <span class=\"_ _0\"></span>the Group paid up to 9<span class=\"_ _d\"></span>.36% on US$ borrowings fr<span class=\"_ _0\"></span>om international credit institutions </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs504\">(2022: up to 7<span class=\"_ _5\"></span>.52%, 2021: up to 4.<span class=\"_ _0\"></span>18%). During the y<span class=\"_ _0\"></span>ear ended 31 December 2023, the Gr<span class=\"_ _0\"></span>oup paid up to 11.82% on US$ subordinat<span class=\"_ _0\"></span>ed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs505\">debt (2022: up to 10<span class=\"_ _0\"></span>.73%, 2021: up t<span class=\"_ _0\"></span>o 7<span class=\"_ _d\"></span>.75%).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs506\">Some long-term borro<span class=\"_ _0\"></span>wings from in<span class=\"_ _0\"></span>ternational credit institutions are r<span class=\"_ _0\"></span>eceived upon certain conditions (the \u2018Lender<span class=\"_ _0\"></span> Covenants\u2019) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs507\">that the Group main<span class=\"_ _0\"></span>tains differ<span class=\"_ _0\"></span>ent limits f<span class=\"_ _0\"></span>or capital adequacy<span class=\"_ _d\"></span>, liquidity<span class=\"_ _0\"></span>, currency<span class=\"_ _0\"></span> positions, credit exposur<span class=\"_ _0\"></span>es, lever<span class=\"_ _0\"></span>age and others. At </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs508\">31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup complied with all the Lender<span class=\"_ _0\"></span> Covenants of <span class=\"_ _0\"></span>the significant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs42d\">borrowings <span class=\"_ _0\"></span>from international cr<span class=\"_ _0\"></span>edit institutions.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs509\">On 31 August 2023, <span class=\"_ _0\"></span>the Bank signed a US$ 100 million loan agreement with <span class=\"_ _0\"></span>Japan International Cooper<span class=\"_ _0\"></span>ation Agency<span class=\"_ _0\"></span> as lender with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs50a\">maturity of <span class=\"_ _0\"></span>five year<span class=\"_ _0\"></span>s, which was fully<span class=\"_ _0\"></span> utilised as at 31 December 2023.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs50b\">On 13 September 2023, the Bank<span class=\"_ _0\"></span> signed a loan agreement with <span class=\"_ _0\"></span>Asian Development Bank as lender with maturity<span class=\"_ _0\"></span> of five <span class=\"_ _0\"></span>years in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs50c\">amount of the GEL<span class=\"_ _0\"></span> equivalent of US$ 100 million, <span class=\"_ _0\"></span>which was fully<span class=\"_ _0\"></span> utilised as at 31 December 2023.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs50e\">On 31 May 2022, the Bank signed a US$ 50 million <span class=\"_ _0\"></span>Additional Tier<span class=\"_ _0\"></span> 1 Capital Perpetual Subor<span class=\"_ _0\"></span>dinated Syndicated Facility<span class=\"_ _0\"></span> with the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs50f\">European Bank <span class=\"_ _0\"></span>for R<span class=\"_ _0\"></span>econstruction and Development and Swedfund Int<span class=\"_ _0\"></span>ernational AB as lenders. The amoun<span class=\"_ _0\"></span>t was fully<span class=\"_ _0\"></span> utilised as at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs510\">31 December 2022.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs511\">In June 20<span class=\"_ _0\"></span>22, the Bank repaid the outstanding US$ 7<span class=\"_ _0\"></span>0 million of its initial US$ 90 million subordinated loan <span class=\"_ _0\"></span>facility f<span class=\"_ _0\"></span>rom the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs512\">International Finance Corpor<span class=\"_ _0\"></span>ation, out of which US$ 42 million qualified as <span class=\"_ _0\"></span>Tier II capital.<span class=\"_ _3e0\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-781": {
   "value": "20.  Amoun<span class=\"_ _0\"></span>ts owed t<span class=\"_ _0\"></span>o credit institutions<span class=\"_ _3e0\"> </span>Amounts due to cr<span class=\"_ _0\"></span>edit institutions comprise: <table class=\"s we84 h14e\" id=\"_9253a6b3-d94f-4b1a-8d84-4533ea69a32c\"><tr><td></td><td class=\"c n x8d8 y4ddd w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4ddd w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4ddd w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dde we85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Short-term loans fr<span class=\"_ _0\"></span>om the NBG<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a5 y4dde wa2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>101,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a6 y4dde we86 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,715,257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a7 y4dde w1bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>413,333<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b we87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Borrowings <span class=\"_ _0\"></span>from international cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a8 y4d0b we88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,79<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16a9 y4d0b w197 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16aa y4d0b we89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,839,<span class=\"_ _d\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddf we8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Time deposits and inter-bank loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ab y4ddf w125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ac y4ddf w62a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _2\"></span>7<span class=\"_ _d\"></span>,638<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ad y4ddf we8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de0 we8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corresponden<span class=\"_ _0\"></span>t accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ae y4de0 we8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">431,232<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16af y4de0 we8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">6<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b0 y4de0 we8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">170,410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x16b1 y4b4f we90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,457<span class=\"_ _d\"></span>,963<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b2 y4b4f w1cd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,592<span class=\"_ _2\"></span>,798<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b3 y4b4f wa5d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,649<span class=\"_ _0\"></span>,679<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade we91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-convertible subor<span class=\"_ _0\"></span>dinated debt<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b4 y4ade we92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">562,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b5 y4ade we93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">537<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b6 y4ade we94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,7<span class=\"_ _0\"></span>66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf we95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws20\">Additional Tier 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc8a y4adf wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,526<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b7 y4adf wb39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">136,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x951 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 we96 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Amounts due to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b8 y4aa3 we97 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16b9 y4aa3 we98 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ba y4aa3 w9ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td></tr></table>During the y<span class=\"_ _0\"></span>ear ended 31 December 2023, <span class=\"_ _0\"></span>the Group paid up to 9<span class=\"_ _d\"></span>.36% on US$ borrowings fr<span class=\"_ _0\"></span>om international credit institutions (2022: up to 7<span class=\"_ _5\"></span>.52%, 2021: up to 4.<span class=\"_ _0\"></span>18%). During the y<span class=\"_ _0\"></span>ear ended 31 December 2023, the Gr<span class=\"_ _0\"></span>oup paid up to 11.82% on US$ subordinat<span class=\"_ _0\"></span>ed debt (2022: up to 10<span class=\"_ _0\"></span>.73%, 2021: up t<span class=\"_ _0\"></span>o 7<span class=\"_ _d\"></span>.75%).<span class=\"_ _3e0\"> </span>Some long-term borro<span class=\"_ _0\"></span>wings from in<span class=\"_ _0\"></span>ternational credit institutions are r<span class=\"_ _0\"></span>eceived upon certain conditions (the \u2018Lender<span class=\"_ _0\"></span> Covenants\u2019) that the Group main<span class=\"_ _0\"></span>tains differ<span class=\"_ _0\"></span>ent limits f<span class=\"_ _0\"></span>or capital adequacy<span class=\"_ _d\"></span>, liquidity<span class=\"_ _0\"></span>, currency<span class=\"_ _0\"></span> positions, credit exposur<span class=\"_ _0\"></span>es, lever<span class=\"_ _0\"></span>age and others. At 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup complied with all the Lender<span class=\"_ _0\"></span> Covenants of <span class=\"_ _0\"></span>the significant borrowings <span class=\"_ _0\"></span>from international cr<span class=\"_ _0\"></span>edit institutions.<span class=\"_ _3e0\"> </span>On 31 August 2023, <span class=\"_ _0\"></span>the Bank signed a US$ 100 million loan agreement with <span class=\"_ _0\"></span>Japan International Cooper<span class=\"_ _0\"></span>ation Agency<span class=\"_ _0\"></span> as lender with maturity of <span class=\"_ _0\"></span>five year<span class=\"_ _0\"></span>s, which was fully<span class=\"_ _0\"></span> utilised as at 31 December 2023.<span class=\"_ _3e0\"> </span>On 13 September 2023, the Bank<span class=\"_ _0\"></span> signed a loan agreement with <span class=\"_ _0\"></span>Asian Development Bank as lender with maturity<span class=\"_ _0\"></span> of five <span class=\"_ _0\"></span>years in the amount of the GEL<span class=\"_ _0\"></span> equivalent of US$ 100 million, <span class=\"_ _0\"></span>which was fully<span class=\"_ _0\"></span> utilised as at 31 December 2023.<span class=\"_ _3e0\"> </span>On 31 May 2022, the Bank signed a US$ 50 million <span class=\"_ _0\"></span>Additional Tier<span class=\"_ _0\"></span> 1 Capital Perpetual Subor<span class=\"_ _0\"></span>dinated Syndicated Facility<span class=\"_ _0\"></span> with the European Bank <span class=\"_ _0\"></span>for R<span class=\"_ _0\"></span>econstruction and Development and Swedfund Int<span class=\"_ _0\"></span>ernational AB as lenders. The amoun<span class=\"_ _0\"></span>t was fully<span class=\"_ _0\"></span> utilised as at 31 December 2022.<span class=\"_ _3e0\"> </span>In June 20<span class=\"_ _0\"></span>22, the Bank repaid the outstanding US$ 7<span class=\"_ _0\"></span>0 million of its initial US$ 90 million subordinated loan <span class=\"_ _0\"></span>facility f<span class=\"_ _0\"></span>rom the International Finance Corpor<span class=\"_ _0\"></span>ation, out of which US$ 42 million qualified as <span class=\"_ _0\"></span>Tier II capital.<span class=\"_ _3e0\"> </span>21.  Debt securities issued<span class=\"_ _3e0\"> </span>Debt securities issued comprise: <table class=\"s we99 h14f\" id=\"_15f061a6-b227-449c-b6d1-19fac21a4f26\"><tr><td></td><td class=\"c n x8d8 y4de1 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de1 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de1 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we9a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additional Tier<span class=\"_ _0\"></span> 1 capital notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1f y4dc6 we9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bb y4dc6 we9c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bc y4dc6 w143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306,239<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 2 notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4c0f we9e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _d\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc9 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 we9f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eurobonds and notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bd y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16be y4b44 w61b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bf y4b44 wa66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">932,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wea0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Local bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c0 y4ade wea1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c1 y4ade w253 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c2 y4ade wea2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wea3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Certificates of deposit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c3 y4adf w785 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c4 y4adf w656 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4adf wea4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,483<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wea5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c5 y4aa3 wea6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c6 y4aa3 w4da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c7 y4aa3 wea7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr></table>Changes in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span><table class=\"s wea8 h150\" id=\"_b5268ea8-d294-4c89-a498-a5604b0ded7b\"><tr><td></td><td></td><td class=\"t m1 x10bf h77 y4de2 ffb fs1d fc1 sc0 ls0 wsfa\">Additional Tier </td><td></td></tr><tr><td></td><td class=\"t m1 x16c8 h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">Eurobonds and </td><td class=\"t m1 x16c9 h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">1 capital notes </td><td class=\"t m1 x10be h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">Tier 2 notes </td></tr><tr><td></td><td class=\"t m1 x16ca h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">notes issued </td><td class=\"t m1 x2fb h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">issued </td><td class=\"t m1 x303 h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">issued </td></tr><tr><td class=\"c n x1ca y4de5 wea9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cb y4de5 weaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,019<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cc y4de5 weab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">323,320<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cd y4de5 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ce y4b33 w266 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,825)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cf y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x449 y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d0 y4c09 wa0c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(46,<span class=\"_ _0\"></span>706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d1 y4c09 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d2 y4c09 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d3 y4b35 w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,329<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d4 y4b35 wead hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,081)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d5 y4b35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d6 y4d27 weae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">932,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d7 y4d27 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">306,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4d27 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b w263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ce y4a9b weaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(61<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>19<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd18 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d9 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9c w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16da y4a9c w125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,581)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16db y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16dc y4a9d web0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,7<span class=\"_ _0\"></span>60)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16dd y4a9d w57f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,537)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16de y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16df y4d20 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e0 y4d20 web1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">2<span class=\"_ _2\"></span>67<span class=\"_ _d\"></span>,702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4d20 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e1 y4c0f web2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e2 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e3 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e4 y4b44 web3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(230,<span class=\"_ _d\"></span>995)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e5 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e6 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b45 w26a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Proceeds <span class=\"_ _0\"></span>from <span class=\"_ _0\"></span>Tier 2 notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e7 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e8 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e9 y4b45 w26b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ea y4adf w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,250<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16eb y4adf web4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ec y4adf w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,237<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ed y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ee y4aa3 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ef y4aa3 w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _0\"></span>158<span class=\"_ _3e0\"> </span></div></td></tr></table>31.  Fair value measur<span class=\"_ _0\"></span>ements<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of fair<span class=\"_ _0\"></span> value disclosures, <span class=\"_ _0\"></span>the Group has determined classes of asse<span class=\"_ _0\"></span>ts and liabilities on the basis of the natur<span class=\"_ _0\"></span>e, characteristics and risks of <span class=\"_ _0\"></span>the asset or liability<span class=\"_ _d\"></span>. The f<span class=\"_ _0\"></span>ollowing tables show analysis of<span class=\"_ _0\"></span> assets and liabilities measured at f<span class=\"_ _0\"></span>air value or for<span class=\"_ _0\"></span> which fair<span class=\"_ _0\"></span> values are disclosed b<span class=\"_ _0\"></span>y level o<span class=\"_ _0\"></span>f the f<span class=\"_ _0\"></span>air value hierar<span class=\"_ _0\"></span>chy:<span class=\"_ _3e0\"> </span><table class=\"s w10a1 h176\" id=\"_837b8fb1-81f4-4eff-9419-e6748d91cd74\"><tr><td></td><td class=\"c n x1ca y4ef4 w12e8 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1e93 y4ef4 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4ef4 w9ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e95 y4ef4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef5 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e96 y4ef6 w4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4ef6 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e31 w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e97 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e98 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e99 y4e31 wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9a y4e31 w92c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e32 w12ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9b y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9c y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9d y4e32 w12eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9e y4e32 wc66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ef7 w12ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9f y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea0 y4ef7 wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea1 y4ef7 w12ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea2 y4e35 w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea3 y4e35 w12ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,42<span class=\"_ _2\"></span>4,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea4 y4e35 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea5 y4e35 w12ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439<span class=\"_ _0\"></span>,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea7 y4ef8 w12f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea8 y4ef8 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef9 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea9 y4e37 w28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaa y4e37 w1235 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eac y4e38 w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ead y4e38 w12f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eae y4efa w12f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,781<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaf y4efa w12f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb1 y4e3a w12f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb2 y4e3a w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,4<span class=\"_ _0\"></span>76,<span class=\"_ _0\"></span>015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efb ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb3 y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efc ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb4 y4bee w12fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,469,6<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb5 y4bee w12fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb6 y4bee w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb8 y4bef w12fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,735,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb9 y4bef w12fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,416,<span class=\"_ _0\"></span>771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eba y4bef w12fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebc y4ac9 w63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebd y4ac9 w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebe y4ac9 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4aa3 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec0 y4aa3 w12ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec1 y4aa3 w1300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1301 h177\" id=\"_d4c815ad-fc59-439f-a327-eb66e793ab75\"><tr><td></td><td class=\"c n x1ca y4efd w1302 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1ec2 y4efd w1303 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec3 y4efd wb18 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec4 y4efd w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efe ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eff w12e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec5 y4eff w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec6 y4eff w1304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f00 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec9 y4ef6 w1305 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eca y4ef6 w1306 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f01 ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecb y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecc y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f02 ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecd y4e32 we0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ece y4e32 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef7 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4ef7 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed0 y4ef7 w1307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,360<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed1 y4ef7 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed2 y4ef7 w1308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w12f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed3 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed4 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w1309 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed5 y4ef8 w10dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed6 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed7 y4ef8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f03 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed8 y4e37 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4e37 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eda y4e38 w2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edb y4e38 w125b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edc y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edd y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ede y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edf y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f04 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee0 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee1 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f05 ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee2 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee3 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee4 y4bef w130d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,033,727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee5 y4bef w1117 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee6 y4bef w130e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee7 y4ac9 w991 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee8 y4ac9 w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee9 y4ac9 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eea y4aa3 w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eeb y4aa3 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eec y4aa3 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td></tr></table><div class=\"gs94\"><table class=\"s w130f h178\" id=\"_9d12edc2-5e2c-4ec2-94c7-4322c3f9f0d6\"><tr><td></td><td class=\"c n x1ca y4f06 w1310 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _1e2\"> </span><span class=\"ls9e wse9\">Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1eed y4f06 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4f06 w1311 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eee y4f06 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f07 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eef y4ef6 w1312 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef0 y4ef6 w50 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f08 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef1 y4f09 w1313 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef2 y4f09 w1314 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0a ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef3 y4e32 w1315 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef4 y4e32 w2d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0b ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef5 y4ef7 w967 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef6 y4ef7 w1316 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4e35 w71d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef7 y4e35 w1317 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4e35 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4e35 w1318 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef8 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef9 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f0c w1309 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efa y4f0c w1319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efb y4f0c w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0d ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e38 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efc y4e38 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4e38 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efd y4efa w131b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efe y4efa w131c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eff y4e3a w131d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>787<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f00 y4e3a w131e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0e ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f02 y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0f ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f03 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f04 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f05 y4bef w1320 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,635,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f06 y4bef w204 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">683,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f07 y4bef w76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f08 y4ac9 w1321 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f09 y4ac9 w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0a y4ac9 w1322 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x268 y4aa3 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0b y4aa3 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0c y4aa3 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0d y4aa3 w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs717\">The f<span class=\"_ _0\"></span>ollowing is a description of the determination of<span class=\"_ _0\"></span> fair <span class=\"_ _0\"></span>value for<span class=\"_ _0\"></span> financial instruments which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair <span class=\"_ _0\"></span>value using </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs718\">valuation techniques. <span class=\"_ _0\"></span>These incorporate <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s estimate of assumptions that a mark<span class=\"_ _0\"></span>et participant would make <span class=\"_ _0\"></span>when valuing </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs719\">the instruments.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws9 gs71a\">Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71b\">Derivative financial instrumen<span class=\"_ _0\"></span>ts valued using a valuation t<span class=\"_ _0\"></span>echnique with market observable inputs are mainly<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate swaps, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71c\">currency<span class=\"_ _0\"></span> swaps, forwar<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span>eign exchange c<span class=\"_ _0\"></span>ontracts and option contr<span class=\"_ _0\"></span>acts. The most f<span class=\"_ _0\"></span>requently<span class=\"_ _0\"></span> applied valuation techniques </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71d\">include f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward pricing and swap models, using pr<span class=\"_ _0\"></span>esent value calculations, as <span class=\"_ _0\"></span>well as standard option pricing models. <span class=\"_ _0\"></span>The models </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71e\">incorporate <span class=\"_ _0\"></span>various inputs including the credit quality<span class=\"_ _0\"></span> of counterparties, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchange spot and f<span class=\"_ _0\"></span>orward rates, inter<span class=\"_ _0\"></span>est rate </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs71f\">curves and implied volatilities.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs720\">T<span class=\"_ _d\"></span>rading securities and inve<span class=\"_ _0\"></span>stment securities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs721\">T<span class=\"_ _d\"></span>rading securities and a certain part of investment securities ar<span class=\"_ _0\"></span>e quoted equity and debt securities. In<span class=\"_ _0\"></span>vestment securities valued using </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs722\">a valuation technique or<span class=\"_ _0\"></span> pricing models consist of unquoted equity<span class=\"_ _0\"></span> and debt securities. These securities ar<span class=\"_ _0\"></span>e valued using models which </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs723\">sometimes only inc<span class=\"_ _0\"></span>orporate data observable in the mark<span class=\"_ _0\"></span>et and at other times use both observable and non-observable data. The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs724\">non-observable inputs to the models include assumptions r<span class=\"_ _0\"></span>egarding the f<span class=\"_ _0\"></span>uture financial performanc<span class=\"_ _0\"></span>e of the investee<span class=\"_ _0\"></span>, its risk profile, and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs725\">economic assumptions r<span class=\"_ _0\"></span>egarding the industry and geogr<span class=\"_ _0\"></span>aphical jurisdiction in which the investee oper<span class=\"_ _0\"></span>ates.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs726\">Assets and liabilities not measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value but for<span class=\"_ _0\"></span> which fair <span class=\"_ _0\"></span>value is disclosed<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs727\">The f<span class=\"_ _0\"></span>air values in the lev<span class=\"_ _0\"></span>el 2 and level 3 of the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y are es<span class=\"_ _0\"></span>timated using the discounted cash flo<span class=\"_ _0\"></span>ws valuation technique. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs728\">Current in<span class=\"_ _0\"></span>terest rat<span class=\"_ _0\"></span>es for ne<span class=\"_ _0\"></span>w instruments with similar cr<span class=\"_ _0\"></span>edit risk, currency and r<span class=\"_ _0\"></span>emaining maturity is used as discount r<span class=\"_ _0\"></span>ate in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs729\">valuation model.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws49 gs72b\">Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs72c\">Mov<span class=\"_ _0\"></span>ements in Level 3 financial instrumen<span class=\"_ _0\"></span>ts measured at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs72d\">The f<span class=\"_ _0\"></span>ollowing tables show a r<span class=\"_ _0\"></span>econciliation of the opening and closing amounts of<span class=\"_ _0\"></span> Level 3 financial assets which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs72e\">fair<span class=\"_ gs7d\"> </span>value:<span class=\"_ _3e0\"> </span></div><div class=\"gs72f\"><table class=\"s w1323 h179\" id=\"_c4f1c9db-4ff4-417f-91ec-eac430ee8d96\"><tr><td></td><td class=\"t m1 x1f0e h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f0f h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x2fe h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x2f9 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1285 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f10 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1f11 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m1 x1f12 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f13 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4f11 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f14 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1642 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f12 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f15 y4aa3 w1325 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f16 y4aa3 w4bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f17 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f18 y4aa3 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4aa3 wbce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f19 y4aa3 w1326 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,9<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f1a y4aa3 w1327 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs730\">Mov<span class=\"_ _0\"></span>ements in Level 3 non-financial assets measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs731\">All investment pr<span class=\"_ _0\"></span>operties are Level 3. R<span class=\"_ _0\"></span>econciliations of their opening and closing amoun<span class=\"_ _0\"></span>ts are pro<span class=\"_ _0\"></span>vided in Note 15.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs732\">Impact on fair <span class=\"_ _0\"></span>value of Lev<span class=\"_ _0\"></span>el 3 financial instruments measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of changes to k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs733\">The f<span class=\"_ _0\"></span>ollowing table shows the impact on the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f Level 3 instruments of<span class=\"_ _0\"></span> using reasonably possible alternativ<span class=\"_ _0\"></span>e assumptions:<span class=\"_ _3e0\"> </span></div><div class=\"gs734\"><table class=\"s w1328 h17a\" id=\"_c91f285a-9087-4732-ae02-37200c38af23\"><tr><td></td><td class=\"c n x1e79 y4f13 w3f0 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4f13 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4f13 w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f1b h77 y4f14 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1643 h77 y4f15 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1f1c h77 y4f16 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td></tr><tr><td></td><td></td><td class=\"t m1 x1f1d h77 y4f17 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x1f1e h77 y4f18 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x4e1 h77 y4f19 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td></tr><tr><td></td><td></td><td class=\"t m1 x878 h77 y4f1a ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x50d h77 y4f1b ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x1f1f h77 y4f1c ffb fs1d fc1 sc0 ls0 ws0\">possible </td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f1d ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1d h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1e7e h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1e h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1f20 h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x4e1 h77 y4f20 ffb fs1d fc1 sc0 ls0 ws0\">alternative </td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4f21 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f21 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f22 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48b h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1d40 h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4f24 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f25 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f23 y4aa3 w1329 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f24 y4aa3 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 1120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f25 y4aa3 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f26 y4aa3 w132a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f27 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f28 y4aa3 w132b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 549<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs735\">In order <span class=\"_ _0\"></span>to determine reasonably<span class=\"_ _0\"></span> possible alternative assumptions, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s adjusted key<span class=\"_ _0\"></span> unobservable model inputs are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs736\">as<span class=\"_ gs7d\"> </span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs737\">For equities, <span class=\"_ _0\"></span>the Group adjusted the price-o<span class=\"_ _0\"></span>ver-book-<span class=\"_ _0\"></span>value multiple by<span class=\"_ _0\"></span> increasing and decreasing <span class=\"_ _0\"></span>the ratio by<span class=\"_ _0\"></span> 10%, which is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs738\">considered b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to be within a r<span class=\"_ _0\"></span>ange of reasonably<span class=\"_ _0\"></span> possible alternatives based on the price-ov<span class=\"_ _0\"></span>er-book-<span class=\"_ _0\"></span>value multiples used </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs739\">across peers <span class=\"_ _0\"></span>within the same geographic ar<span class=\"_ _0\"></span>ea of the same industry<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs73a\">Description of signific<span class=\"_ _0\"></span>ant unobservable inputs to valuations of<span class=\"_ _0\"></span> non-financial assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs73b\">The f<span class=\"_ _0\"></span>ollowing tables show descriptions of<span class=\"_ _0\"></span> significant unobservable inputs to Level 3 <span class=\"_ _0\"></span>valuations of investment pr<span class=\"_ _0\"></span>operties:<span class=\"_ _3e0\"> </span></div><div class=\"gs73c\"><table class=\"s w132c h17b\" id=\"_291d2320-71ce-43fb-aa4a-55a51070d799\"><tr><td></td><td></td><td></td><td class=\"t m1 x1f0f h77 y4f26 ffb fs1d fc1 sc0 ls0 ws0\">Significant </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f29 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>aluation </td><td class=\"t m1 x1bd5 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">unobservable </td><td></td><td></td><td class=\"t m1 x1f22 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x51b h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">Other ke<span class=\"_ _0\"></span>y </td><td></td><td></td><td class=\"t m1 x620 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"t m1 x4da h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5ce h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">technique<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2a y4f29 w132d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">inputs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2b y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2c y4f29 w132f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f2d h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">average<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2e y4f29 w1330 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">information<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2f y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f30 y4f29 w1de h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f1f h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment  </td><td class=\"t m1 x1f31 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f2b ffb fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f2c w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f32 y4f2c w1331 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Development  </td><td class=\"c n x1f33 y4f2e w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,505<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f34 y4f2e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1d8c y4f2e w818 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f35 y4f2e w1332 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.220<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f36 y4f2e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f37 y4f2e w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f38 y4f2e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f39 y4f2e w955 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3a y4f2e w1334 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,02<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">metres,  </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Agricultural  </td><td class=\"c n x1f3c y4f32 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3d y4f32 wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f32 w1335 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3f y4f32 w1336 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.70<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f40 y4f32 w1337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f41 y4f32 w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f42 y4f32 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f43 y4f32 w1338 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f44 y4f32 w35b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Residential  </td><td class=\"c n x4ff y4f36 wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f45 y4f36 w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f36 w1339 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f46 y4f36 w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f47 y4f36 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f48 y4f36 w133a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f49 y4f36 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4a y4f36 w133b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4b y4f36 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x5d6 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential </td><td class=\"t m1 x1f4c h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f3a ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4f3b w10d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4d y4f3b w14d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mark<span class=\"_ _0\"></span>et</div></td><td class=\"t m1 x1f4e h1b y4f3c ff2 fs8 fc1 sc0 ls0 ws16\">Price of the </td><td class=\"c n x1f4f y4f3b wa2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22.870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f50 y4f3b w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,838.861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f51 y4f3b w133c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,321.0<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f52 y4f3b w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f53 y4f3b wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f54 y4f3b waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f55 y4f3b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,684<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x1f3b h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">approach </td><td class=\"t m1 x2f6 h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1645 h1b y4f3e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1e83 h1b y4f3f ff2 fs8 fc1 sc0 ls0 ws0\">Square </td><td class=\"c n x1f38 y4f40 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f56 y4f40 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f57 y4f40 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">984<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f41 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51b h1b y4f42 ff2 fs8 fc1 sc0 ls0 ws0\">Building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs73d\">* <span class=\"_ _299\"> </span>Price, rate and cost of unobservable inputs in this table ar<span class=\"_ _0\"></span>e presented in Georgian Lari (\u2018<span class=\"_ _0\"></span>GEL<span class=\"_ _0\"></span>\u2019), unless otherwise indicated.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs73f\">Set out below is an ov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>view of all <span class=\"_ _0\"></span>financial instruments other than those <span class=\"_ _0\"></span>for which <span class=\"_ _0\"></span>the carrying amount is a reasonable </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs740\">appro<span class=\"_ _0\"></span>ximation of fair<span class=\"_ _0\"></span> value held by<span class=\"_ _0\"></span> the Group as at 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021:<span class=\"_ _3e0\"> </span></div><div class=\"gs403\"><table class=\"s w1105 h17c\" id=\"_8b55b4cc-0588-4a93-bb2a-4c911bd3e470\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f43 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x1f58 y4cd4 w133d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4cd4 w133e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f59 y4cd4 w133f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f44 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cce w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4cce w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4cc4 w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w1341 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5c y4cbf w1093 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5d y4cbf w8c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5e y4ccf w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5f y4ccf w1343 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>424,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f60 y4ccf w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4a9a w1345 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f61 y4f45 w1346 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,825,070<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f62 y4f45 w1347 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,432,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4f45 w1070 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,353<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f46 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b41 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4b41 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x231 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4dc6 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f65 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4c0f w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4b44 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f66 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1349 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _0\"></span> liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4ade w8cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f67 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4adf w134a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f68 y4aa3 w134b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,355,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f69 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs741\"><table class=\"s w134c h17d\" id=\"_03cb340b-c8b4-49a1-ab16-4df84e1c9251\"><tr><td></td><td></td><td class=\"c n x1f6a y4f47 w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f47 w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x1f6c y4f48 w134f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6d y4f48 w1350 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6e y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6f y4f48 w1351 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f70 y4f48 w1352 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f71 y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f49 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f4a ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f4b wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f4b w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f73 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f74 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f75 y4f4b w38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f76 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f77 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4c w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f78 y4f4c w1354 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f79 y4f4c w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4d w1341 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7b y4f4d wce4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7c y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7d y4f4d we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4e w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7e y4f4e w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7f y4f4e w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f80 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f81 y4f4e w1355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4f w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f83 y4f4f w8a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4f4f w1357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,827<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f50 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f51 w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f84 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f85 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f86 y4f51 w1359 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f87 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f88 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f89 y4f51 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f52 we15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8a y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8c y4f52 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4f52 w135a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f53 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8d y4f53 w135b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,656,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8e y4f53 w135c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _d\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8f y4f53 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f90 y4f53 w135d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,624<span class=\"_ _2\"></span>,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f91 y4f53 w135e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f92 y4f53 w135f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f54 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f55 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4f55 w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f94 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f95 y4f55 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f96 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f97 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e71 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4e71 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f99 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9a y4e71 w1361 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b08 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9b y4b08 w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9c y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9d y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9e y4b08 w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4e72 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9f y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e72 wc96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4b0b w1364 hfa\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x3c6 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa1 y4b0b w1365 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa2 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa3 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa4 y4b0b w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa5 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa6 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa7 y4b0c we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f56 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4adf w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa8 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faa y4adf w1366 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fab y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fac y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fad y4adf w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fae y4aa3 w1367 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,357<span class=\"_ _d\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faf y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb0 y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb1 y4aa3 w1368 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,0<span class=\"_ _2\"></span>19,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb2 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs742\">Fair <span class=\"_ _0\"></span>value of financial instruments <span class=\"_ _0\"></span>that are carried in the financial stat<span class=\"_ _0\"></span>ements not at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs743\">Set out below is a comparison b<span class=\"_ _0\"></span>y class of <span class=\"_ _0\"></span>the carr<span class=\"_ _2\"></span>ying amounts and f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s <span class=\"_ _0\"></span>financial instruments that are c<span class=\"_ _0\"></span>arried </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs744\">in the financial statemen<span class=\"_ _0\"></span>ts. The table does not include <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>values of non-financial assets and non-financial liabilities, <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alues </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs745\">of other smaller<span class=\"_ _0\"></span> financial assets and financial liabilities f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> which are materially<span class=\"_ _0\"></span> close to their carrying values.<span class=\"_ _3e0\"> </span></div><table class=\"s w8b4 h17e\" id=\"_ab7d4196-804b-4bfc-9d34-fd389125d788\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f57 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x621 h77 y4f58 ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"c n x1fb3 y4d94 w1369 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb4 y4d94 w136a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Fair value</div></td><td class=\"t m1 x4e1 h77 y4f59 ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5a ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc5 w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb5 y4dc5 w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb6 y4dc5 w136b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,7<span class=\"_ _0\"></span>81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb7 y4dc5 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4b41 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb8 y4b41 w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb9 y4b41 w5f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(756,706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5b ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c0f w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4c0f w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fba y4c0f w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbb y4c0f w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4b44 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbc y4b44 w136c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbd y4b44 w411 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbe y4ade w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbf y4ade w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc0 y4ade wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>01<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4adf wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc1 y4adf w136d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc2 y4adf w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w136e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x9c8 y4aa3 w284 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>68,597)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h17f\" id=\"_ec989773-bfed-470a-a8d8-79100cbdf69d\"><tr><td></td><td></td><td class=\"c n x1f6a y4f5c w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f5c w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Carrying  </td><td class=\"t m1 x1fc3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x56a h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td><td></td><td class=\"t m1 x4b3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x621 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"t m1 x1fc4 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x1fc5 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"c n x533 y4f5f w136f h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc6 y4f5f w1369 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x6d0 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x4e1 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f60 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ca y4f55 wf86 hf9\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc7 y4f55 w1370 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc8 y4f55 w130b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc9 y4f55 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fca y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcb y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x34b y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f61 ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f62 wde3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f62 w1353 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcc y4f62 w1371 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcd y4f62 w1372 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fce y4f62 w38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _d\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcf y4f62 w1373 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _5\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd0 y4f62 w1374 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(381,248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f63 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b0a w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4b0a w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd1 y4b0a w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b0a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd2 y4b0a wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd3 y4b0a w1375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd4 y4b0a w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f64 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4f64 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd5 y4f64 w1376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242<span class=\"_ _2\"></span>,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd6 y4f64 w1377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd7 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd8 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4f64 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd9 y4b0c w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fda y4b0c w84f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdb y4b0c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdc y4b0c w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdd y4b0c w1322 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fde y4b0c w1378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,230)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f65 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4f65 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdf y4f65 w1379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4f65 w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe0 y4f65 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe1 y4f65 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe2 y4f65 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f66 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4aa3 w137a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws89\">fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe3 y4aa3 w137b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(530,454)<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe4 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(435,683)<span class=\"_ _3e0\"> </span></div></td></tr></table>The follo<span class=\"_ _0\"></span>wing describes the <span class=\"_ _2\"></span>methodologies and assumptions used to determine fair values f<span class=\"_ _0\"></span>or those financial instruments which are not already<span class=\"_ _0\"></span> recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ _0\"></span> value in the consolidated <span class=\"_ _0\"></span>financial statements.<span class=\"_ _3e0\"> </span>Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alue appro<span class=\"_ _0\"></span>ximates carrying value<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial assets and financial liabilities that ar<span class=\"_ _0\"></span>e liquid or have a short-term maturity (less <span class=\"_ _0\"></span>than three months<span class=\"_ _0\"></span>), it is assumed that the carrying amounts approximat<span class=\"_ _0\"></span>e to their f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. This assumption is also applied to demand deposits, savings ac<span class=\"_ _0\"></span>counts without a specific maturity<span class=\"_ _d\"></span>, and variable rate financial instr<span class=\"_ _0\"></span>uments.<span class=\"_ _3e0\"> </span>Fix<span class=\"_ _0\"></span>ed rate financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>fixed rate <span class=\"_ _0\"></span>financial assets and liabilities carried at amortised cost are estimated b<span class=\"_ _0\"></span>y comparing mark<span class=\"_ _0\"></span>et interest rates <span class=\"_ _0\"></span>when they<span class=\"_ _0\"></span> were firs<span class=\"_ _0\"></span>t recognised with curr<span class=\"_ _0\"></span>ent market r<span class=\"_ _0\"></span>ates off<span class=\"_ _0\"></span>ered f<span class=\"_ _0\"></span>or similar financial instruments. <span class=\"_ _0\"></span>The estimated f<span class=\"_ _0\"></span>air value of fixed inter<span class=\"_ _0\"></span>est-bearing deposits is based on discounted c<span class=\"_ _0\"></span>ash flows using prev<span class=\"_ _0\"></span>ailing money-mark<span class=\"_ _0\"></span>et interest r<span class=\"_ _0\"></span>ates for<span class=\"_ _0\"></span> debts with similar credit risk and maturity<span class=\"_ _d\"></span>. For <span class=\"_ _0\"></span>financial assets and financial liabilities maturing in less than a <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, it is assumed that the carrying amounts appro<span class=\"_ _0\"></span>ximate to their fair<span class=\"_ _0\"></span> value.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-738": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs514\">21.  Debt securities issued<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs515\">Debt securities issued comprise: </div><div class=\"gs516\"><table class=\"s we99 h14f\" id=\"_15f061a6-b227-449c-b6d1-19fac21a4f26\"><tr><td></td><td class=\"c n x8d8 y4de1 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de1 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de1 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 we9a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Additional Tier<span class=\"_ _0\"></span> 1 capital notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe1f y4dc6 we9b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bb y4dc6 we9c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bc y4dc6 w143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306,239<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f we9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 2 notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x49d y4c0f we9e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _d\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc9 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 we9f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Eurobonds and notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bd y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16be y4b44 w61b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16bf y4b44 wa66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">932,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade wea0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Local bonds<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c0 y4ade wea1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c1 y4ade w253 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c2 y4ade wea2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wea3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Certificates of deposit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c3 y4adf w785 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>4,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c4 y4adf w656 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4adf wea4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,483<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wea5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c5 y4aa3 wea6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c6 y4aa3 w4da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16c7 y4aa3 wea7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs517\">Changes in liabilities arising fr<span class=\"_ _0\"></span>om financing activities<span class=\"_ _3e0\"> </span></div><div class=\"gs518\"><table class=\"s wea8 h150\" id=\"_b5268ea8-d294-4c89-a498-a5604b0ded7b\"><tr><td></td><td></td><td class=\"t m1 x10bf h77 y4de2 ffb fs1d fc1 sc0 ls0 wsfa\">Additional Tier </td><td></td></tr><tr><td></td><td class=\"t m1 x16c8 h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">Eurobonds and </td><td class=\"t m1 x16c9 h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">1 capital notes </td><td class=\"t m1 x10be h77 y4de3 ffb fs1d fc1 sc0 ls0 ws0\">Tier 2 notes </td></tr><tr><td></td><td class=\"t m1 x16ca h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">notes issued </td><td class=\"t m1 x2fb h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">issued </td><td class=\"t m1 x303 h77 y4de4 ffb fs1d fc1 sc0 ls0 ws0\">issued </td></tr><tr><td class=\"c n x1ca y4de5 wea9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cb y4de5 weaa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,019<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cc y4de5 weab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">323,320<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cd y4de5 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b33 w263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ce y4b33 w266 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(28,825)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16cf y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x449 y4b33 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c09 w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d0 y4c09 wa0c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(46,<span class=\"_ _0\"></span>706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d1 y4c09 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d2 y4c09 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d3 y4b35 w4fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,329<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d4 y4b35 wead hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,081)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d5 y4b35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d27 wc3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d6 y4d27 weae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">932,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d7 y4d27 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">306,239<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4d27 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9b w263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ce y4a9b weaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(61<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>19<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd18 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d9 y4a9b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9c w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16da y4a9c w125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,581)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12bd y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16db y4a9c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a9d weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16dc y4a9d web0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,7<span class=\"_ _0\"></span>60)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16dd y4a9d w57f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(38,537)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16de y4a9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 wc40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16df y4d20 we57 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e0 y4d20 web1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">2<span class=\"_ _2\"></span>67<span class=\"_ _d\"></span>,702<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd49 y4d20 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c0f w263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repur<span class=\"_ _0\"></span>chase of debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e1 y4c0f web2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e2 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e3 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b44 w267 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repayment of<span class=\"_ _0\"></span> the principal portion of the debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e4 y4b44 web3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(230,<span class=\"_ _d\"></span>995)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e5 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e6 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b45 w26a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Proceeds <span class=\"_ _0\"></span>from <span class=\"_ _0\"></span>Tier 2 notes issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e7 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e8 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16e9 y4b45 w26b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _0\"></span>921<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ea y4adf w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,250<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16eb y4adf web4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(590)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ec y4adf w856 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,237<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wc46 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Carrying amount at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ed y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ee y4aa3 w253 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _d\"></span>,112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ef y4aa3 w7e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _0\"></span>158<span class=\"_ _3e0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-739": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs51a\">22.  Commitments and contingencies<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs51b\">Legal<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs51c\">Sai-inves<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs51d\">As at 31 December 2023, <span class=\"_ _0\"></span>the Bank was engaged in litigation with Sai-Invest LL<span class=\"_ _d\"></span>C (\u2018Sai-Invest\u2019) in relation t<span class=\"_ _0\"></span>o a deposit pledge in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs51e\">amount of EUR 7 million f<span class=\"_ _0\"></span>or the benefit of<span class=\"_ _0\"></span> L<span class=\"_ _0\"></span>TD Sport Invest\u2019<span class=\"_ _0\"></span>s loans owing to <span class=\"_ _0\"></span>JSC Bank of Geor<span class=\"_ _0\"></span>gia. Sai-Invest LL<span class=\"_ _0\"></span>C has challenged </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs51f\">the validity<span class=\"_ _0\"></span> of the deposit pledge in the Georgian c<span class=\"_ _0\"></span>ourts, and its challenge has been substantially sustained in the C<span class=\"_ _0\"></span>ourt of Appeal, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs520\">a determination which the Bank belie<span class=\"_ _0\"></span>ves to be erroneous and <span class=\"_ _0\"></span>without merit<span class=\"_ _2\"></span>, and which the Bank has appealed t<span class=\"_ _0\"></span>o the Supreme </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs521\">Court. The matter is curr<span class=\"_ _0\"></span>ently under<span class=\"_ _0\"></span> review b<span class=\"_ _0\"></span>y the Supr<span class=\"_ _0\"></span>eme Court, and the timeline as to when the judgement is <span class=\"_ _0\"></span>to be expected is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs522\">not available. <span class=\"_ _0\"></span>The Bank\u2019<span class=\"_ _0\"></span>s management is of the opinion that <span class=\"_ _0\"></span>the probability of<span class=\"_ _0\"></span> incurring material losses on this claim is low<span class=\"_ _0\"></span>, and, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs523\">accor<span class=\"_ _0\"></span>dingly<span class=\"_ _0\"></span>, no pro<span class=\"_ _0\"></span>vision has been made in these consolidated financial statements.<span class=\"_ _3e0\"> </span></div>Financial commitments and c<span class=\"_ _0\"></span>ontingencies<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial commitments and contingencies comprised the following:<span class=\"_ _3e0\"> </span><table class=\"s web5 h151\" id=\"_9ef8c1ac-161f-42c4-b5d0-c39062fcb5f2\"><tr><td></td><td class=\"c n x8d8 y4de6 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de6 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de6 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4de7 ffb fs8 fc1 sc0 ls0 ws0\">Credit-r<span class=\"_ _0\"></span>elated commitments </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4de8 web6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f0 y4de8 web7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f1 y4de8 web8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>717<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f2 y4de8 web9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 weba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f3 y4de9 w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f4 y4de9 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f5 y4de9 w8bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dea webb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Undrawn loan f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4dea webc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,014,<span class=\"_ _0\"></span>951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f7 y4dea webd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _d\"></span>,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4dea wcc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">809,481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x2b4 y4d84 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,011,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f9 y4d84 we6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,702,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fa y4d84 webe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,568,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd webf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Cash held as security against le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit and guarantees (Note 19<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fb y4dbd wec0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33<span class=\"_ _2\"></span>4,092)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fc y4dbd wec1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4dbd wec2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117<span class=\"_ _d\"></span>,379)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wec3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fd y4d0b waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,304<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fe y4d0b w152 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x234 y4d0b w585 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>993)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4deb ffb fs8 fc1 sc0 ls0 ws0\">Operating lease commitmen<span class=\"_ _0\"></span>ts </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ac6 wec4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not later than 1 <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ff y4ac6 w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1700 y4ac6 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4ac6 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,875<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wec5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Later than 1 <span class=\"_ _0\"></span>year but not later<span class=\"_ _0\"></span> than 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1701 y4ac7 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4ac7 w595 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1703 y4ac7 w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wec6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">Later than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1705 y4aa1 w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1706 y4aa1 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1707 y4b3c wec7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1708 y4b3c w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1709 y4b3c wec8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,347<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wec9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170a y4aa3 weca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170b y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170c y4aa3 wecb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,539<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>Out of total guarantees issued as at 31 December 20<span class=\"_ _0\"></span>23 financial and performance guarantees o<span class=\"_ _0\"></span>f the Group comprised GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>162,825 (31 December 2022: GEL 988,094, 31 December 2021: GEL<span class=\"_ _0\"></span> 1,030,<span class=\"_ _d\"></span>122) and GEL 756,<span class=\"_ _0\"></span>172 (31 December 2022: GEL<span class=\"_ _0\"></span> 729,214, 31 December 2021: GEL<span class=\"_ _0\"></span> 656,791), respectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>The Group discloses its undr<span class=\"_ _0\"></span>awn loan facility<span class=\"_ _0\"></span> balances based on the contr<span class=\"_ _0\"></span>actual terms and existing pr<span class=\"_ _0\"></span>actice in regards <span class=\"_ _0\"></span>to disbursement of <span class=\"_ _0\"></span>these amounts. The balances ar<span class=\"_ _0\"></span>e disclosed as commitments if the Gr<span class=\"_ _0\"></span>oup has an established practice of disbur<span class=\"_ _0\"></span>sing undrawn amounts <span class=\"_ _0\"></span>without any subsequent appr<span class=\"_ _0\"></span>oval.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-820": {
   "value": "22.  Commitments and contingencies<span class=\"_ _3e0\"> </span>Legal<span class=\"_ _3e0\"> </span>Sai-inves<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the Bank was engaged in litigation with Sai-Invest LL<span class=\"_ _d\"></span>C (\u2018Sai-Invest\u2019) in relation t<span class=\"_ _0\"></span>o a deposit pledge in the amount of EUR 7 million f<span class=\"_ _0\"></span>or the benefit of<span class=\"_ _0\"></span> L<span class=\"_ _0\"></span>TD Sport Invest\u2019<span class=\"_ _0\"></span>s loans owing to <span class=\"_ _0\"></span>JSC Bank of Geor<span class=\"_ _0\"></span>gia. Sai-Invest LL<span class=\"_ _0\"></span>C has challenged the validity<span class=\"_ _0\"></span> of the deposit pledge in the Georgian c<span class=\"_ _0\"></span>ourts, and its challenge has been substantially sustained in the C<span class=\"_ _0\"></span>ourt of Appeal, a determination which the Bank belie<span class=\"_ _0\"></span>ves to be erroneous and <span class=\"_ _0\"></span>without merit<span class=\"_ _2\"></span>, and which the Bank has appealed t<span class=\"_ _0\"></span>o the Supreme Court. The matter is curr<span class=\"_ _0\"></span>ently under<span class=\"_ _0\"></span> review b<span class=\"_ _0\"></span>y the Supr<span class=\"_ _0\"></span>eme Court, and the timeline as to when the judgement is <span class=\"_ _0\"></span>to be expected is not available. <span class=\"_ _0\"></span>The Bank\u2019<span class=\"_ _0\"></span>s management is of the opinion that <span class=\"_ _0\"></span>the probability of<span class=\"_ _0\"></span> incurring material losses on this claim is low<span class=\"_ _0\"></span>, and, accor<span class=\"_ _0\"></span>dingly<span class=\"_ _0\"></span>, no pro<span class=\"_ _0\"></span>vision has been made in these consolidated financial statements.<span class=\"_ _3e0\"> </span><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs525\">Financial commitments and c<span class=\"_ _0\"></span>ontingencies<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs526\">As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial commitments and contingencies comprised </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs527\">the following:<span class=\"_ _3e0\"> </span></div><div class=\"gs528\"><table class=\"s web5 h151\" id=\"_9ef8c1ac-161f-42c4-b5d0-c39062fcb5f2\"><tr><td></td><td class=\"c n x8d8 y4de6 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de6 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de6 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4de7 ffb fs8 fc1 sc0 ls0 ws0\">Credit-r<span class=\"_ _0\"></span>elated commitments </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4de8 web6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f0 y4de8 web7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f1 y4de8 web8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>717<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f2 y4de8 web9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 weba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f3 y4de9 w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f4 y4de9 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f5 y4de9 w8bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dea webb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Undrawn loan f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4dea webc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,014,<span class=\"_ _0\"></span>951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f7 y4dea webd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _d\"></span>,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4dea wcc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">809,481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x2b4 y4d84 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,011,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f9 y4d84 we6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,702,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fa y4d84 webe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,568,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd webf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Cash held as security against le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit and guarantees (Note 19<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fb y4dbd wec0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33<span class=\"_ _2\"></span>4,092)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fc y4dbd wec1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4dbd wec2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117<span class=\"_ _d\"></span>,379)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wec3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fd y4d0b waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,304<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fe y4d0b w152 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x234 y4d0b w585 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>993)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4deb ffb fs8 fc1 sc0 ls0 ws0\">Operating lease commitmen<span class=\"_ _0\"></span>ts </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ac6 wec4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not later than 1 <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ff y4ac6 w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1700 y4ac6 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4ac6 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,875<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wec5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Later than 1 <span class=\"_ _0\"></span>year but not later<span class=\"_ _0\"></span> than 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1701 y4ac7 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4ac7 w595 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1703 y4ac7 w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wec6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">Later than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1705 y4aa1 w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1706 y4aa1 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1707 y4b3c wec7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1708 y4b3c w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1709 y4b3c wec8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,347<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wec9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170a y4aa3 weca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170b y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170c y4aa3 wecb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,539<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs529\">* <span class=\"_ _299\"> </span>Out of total guarantees issued as at 31 December 20<span class=\"_ _0\"></span>23 financial and performance guarantees o<span class=\"_ _0\"></span>f the Group comprised GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>162,825 (31 December 2022: GEL 988,094, </div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs52a\">31 December 2021: GEL<span class=\"_ _0\"></span> 1,030,<span class=\"_ _d\"></span>122) and GEL 756,<span class=\"_ _0\"></span>172 (31 December 2022: GEL<span class=\"_ _0\"></span> 729,214, 31 December 2021: GEL<span class=\"_ _0\"></span> 656,791), respectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs52b\">The Group discloses its undr<span class=\"_ _0\"></span>awn loan facility<span class=\"_ _0\"></span> balances based on the contr<span class=\"_ _0\"></span>actual terms and existing pr<span class=\"_ _0\"></span>actice in regards <span class=\"_ _0\"></span>to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48a\">disbursement of <span class=\"_ _0\"></span>these amounts. The balances ar<span class=\"_ _0\"></span>e disclosed as commitments if the Gr<span class=\"_ _0\"></span>oup has an established practice of disbur<span class=\"_ _0\"></span>sing </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs48b\">undrawn amounts <span class=\"_ _0\"></span>without any subsequent appr<span class=\"_ _0\"></span>oval.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-808": {
   "value": "22.  Commitments and contingencies<span class=\"_ _3e0\"> </span>Legal<span class=\"_ _3e0\"> </span>Sai-inves<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the Bank was engaged in litigation with Sai-Invest LL<span class=\"_ _d\"></span>C (\u2018Sai-Invest\u2019) in relation t<span class=\"_ _0\"></span>o a deposit pledge in the amount of EUR 7 million f<span class=\"_ _0\"></span>or the benefit of<span class=\"_ _0\"></span> L<span class=\"_ _0\"></span>TD Sport Invest\u2019<span class=\"_ _0\"></span>s loans owing to <span class=\"_ _0\"></span>JSC Bank of Geor<span class=\"_ _0\"></span>gia. Sai-Invest LL<span class=\"_ _0\"></span>C has challenged the validity<span class=\"_ _0\"></span> of the deposit pledge in the Georgian c<span class=\"_ _0\"></span>ourts, and its challenge has been substantially sustained in the C<span class=\"_ _0\"></span>ourt of Appeal, a determination which the Bank belie<span class=\"_ _0\"></span>ves to be erroneous and <span class=\"_ _0\"></span>without merit<span class=\"_ _2\"></span>, and which the Bank has appealed t<span class=\"_ _0\"></span>o the Supreme Court. The matter is curr<span class=\"_ _0\"></span>ently under<span class=\"_ _0\"></span> review b<span class=\"_ _0\"></span>y the Supr<span class=\"_ _0\"></span>eme Court, and the timeline as to when the judgement is <span class=\"_ _0\"></span>to be expected is not available. <span class=\"_ _0\"></span>The Bank\u2019<span class=\"_ _0\"></span>s management is of the opinion that <span class=\"_ _0\"></span>the probability of<span class=\"_ _0\"></span> incurring material losses on this claim is low<span class=\"_ _0\"></span>, and, accor<span class=\"_ _0\"></span>dingly<span class=\"_ _0\"></span>, no pro<span class=\"_ _0\"></span>vision has been made in these consolidated financial statements.<span class=\"_ _3e0\"> </span>Financial commitments and c<span class=\"_ _0\"></span>ontingencies<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial commitments and contingencies comprised the following:<span class=\"_ _3e0\"> </span><table class=\"s web5 h151\" id=\"_9ef8c1ac-161f-42c4-b5d0-c39062fcb5f2\"><tr><td></td><td class=\"c n x8d8 y4de6 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de6 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de6 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4de7 ffb fs8 fc1 sc0 ls0 ws0\">Credit-r<span class=\"_ _0\"></span>elated commitments </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4de8 web6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f0 y4de8 web7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f1 y4de8 web8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>717<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f2 y4de8 web9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 weba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f3 y4de9 w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f4 y4de9 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f5 y4de9 w8bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dea webb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Undrawn loan f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4dea webc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,014,<span class=\"_ _0\"></span>951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f7 y4dea webd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _d\"></span>,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4dea wcc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">809,481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x2b4 y4d84 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,011,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f9 y4d84 we6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,702,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fa y4d84 webe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,568,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd webf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Cash held as security against le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit and guarantees (Note 19<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fb y4dbd wec0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33<span class=\"_ _2\"></span>4,092)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fc y4dbd wec1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4dbd wec2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117<span class=\"_ _d\"></span>,379)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wec3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fd y4d0b waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,304<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fe y4d0b w152 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x234 y4d0b w585 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>993)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4deb ffb fs8 fc1 sc0 ls0 ws0\">Operating lease commitmen<span class=\"_ _0\"></span>ts </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ac6 wec4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not later than 1 <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ff y4ac6 w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1700 y4ac6 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4ac6 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,875<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wec5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Later than 1 <span class=\"_ _0\"></span>year but not later<span class=\"_ _0\"></span> than 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1701 y4ac7 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4ac7 w595 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1703 y4ac7 w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wec6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">Later than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1705 y4aa1 w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1706 y4aa1 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1707 y4b3c wec7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1708 y4b3c w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1709 y4b3c wec8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,347<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wec9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170a y4aa3 weca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170b y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170c y4aa3 wecb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,539<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>Out of total guarantees issued as at 31 December 20<span class=\"_ _0\"></span>23 financial and performance guarantees o<span class=\"_ _0\"></span>f the Group comprised GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>162,825 (31 December 2022: GEL 988,094, 31 December 2021: GEL<span class=\"_ _0\"></span> 1,030,<span class=\"_ _d\"></span>122) and GEL 756,<span class=\"_ _0\"></span>172 (31 December 2022: GEL<span class=\"_ _0\"></span> 729,214, 31 December 2021: GEL<span class=\"_ _0\"></span> 656,791), respectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>The Group discloses its undr<span class=\"_ _0\"></span>awn loan facility<span class=\"_ _0\"></span> balances based on the contr<span class=\"_ _0\"></span>actual terms and existing pr<span class=\"_ _0\"></span>actice in regards <span class=\"_ _0\"></span>to disbursement of <span class=\"_ _0\"></span>these amounts. The balances ar<span class=\"_ _0\"></span>e disclosed as commitments if the Gr<span class=\"_ _0\"></span>oup has an established practice of disbur<span class=\"_ _0\"></span>sing undrawn amounts <span class=\"_ _0\"></span>without any subsequent appr<span class=\"_ _0\"></span>oval.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-782": {
   "value": "22.  Commitments and contingencies<span class=\"_ _3e0\"> </span>Legal<span class=\"_ _3e0\"> </span>Sai-inves<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span>As at 31 December 2023, <span class=\"_ _0\"></span>the Bank was engaged in litigation with Sai-Invest LL<span class=\"_ _d\"></span>C (\u2018Sai-Invest\u2019) in relation t<span class=\"_ _0\"></span>o a deposit pledge in the amount of EUR 7 million f<span class=\"_ _0\"></span>or the benefit of<span class=\"_ _0\"></span> L<span class=\"_ _0\"></span>TD Sport Invest\u2019<span class=\"_ _0\"></span>s loans owing to <span class=\"_ _0\"></span>JSC Bank of Geor<span class=\"_ _0\"></span>gia. Sai-Invest LL<span class=\"_ _0\"></span>C has challenged the validity<span class=\"_ _0\"></span> of the deposit pledge in the Georgian c<span class=\"_ _0\"></span>ourts, and its challenge has been substantially sustained in the C<span class=\"_ _0\"></span>ourt of Appeal, a determination which the Bank belie<span class=\"_ _0\"></span>ves to be erroneous and <span class=\"_ _0\"></span>without merit<span class=\"_ _2\"></span>, and which the Bank has appealed t<span class=\"_ _0\"></span>o the Supreme Court. The matter is curr<span class=\"_ _0\"></span>ently under<span class=\"_ _0\"></span> review b<span class=\"_ _0\"></span>y the Supr<span class=\"_ _0\"></span>eme Court, and the timeline as to when the judgement is <span class=\"_ _0\"></span>to be expected is not available. <span class=\"_ _0\"></span>The Bank\u2019<span class=\"_ _0\"></span>s management is of the opinion that <span class=\"_ _0\"></span>the probability of<span class=\"_ _0\"></span> incurring material losses on this claim is low<span class=\"_ _0\"></span>, and, accor<span class=\"_ _0\"></span>dingly<span class=\"_ _0\"></span>, no pro<span class=\"_ _0\"></span>vision has been made in these consolidated financial statements.<span class=\"_ _3e0\"> </span>Financial commitments and c<span class=\"_ _0\"></span>ontingencies<span class=\"_ _3e0\"> </span>As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s financial commitments and contingencies comprised the following:<span class=\"_ _3e0\"> </span><table class=\"s web5 h151\" id=\"_9ef8c1ac-161f-42c4-b5d0-c39062fcb5f2\"><tr><td></td><td class=\"c n x8d8 y4de6 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4de6 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4de6 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4de7 ffb fs8 fc1 sc0 ls0 ws0\">Credit-r<span class=\"_ _0\"></span>elated commitments </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4de8 web6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f0 y4de8 web7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f1 y4de8 web8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>717<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f2 y4de8 web9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,686,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 weba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f3 y4de9 w74c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f4 y4de9 wb39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f5 y4de9 w8bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dea webb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Undrawn loan f<span class=\"_ _0\"></span>acilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4dea webc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,014,<span class=\"_ _0\"></span>951<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f7 y4dea webd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _d\"></span>,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4dea wcc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">809,481<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x2b4 y4d84 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,011,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f9 y4d84 we6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,702,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fa y4d84 webe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,568,070<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd webf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Cash held as security against le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit and guarantees (Note 19<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fb y4dbd wec0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(33<span class=\"_ _2\"></span>4,092)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fc y4dbd wec1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121,753)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1105 y4dbd wec2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117<span class=\"_ _d\"></span>,379)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wec3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Less \u2013 Pro<span class=\"_ _0\"></span>visions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fd y4d0b waf3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,304<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16fe y4d0b w152 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>127)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x234 y4d0b w585 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>993)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4deb ffb fs8 fc1 sc0 ls0 ws0\">Operating lease commitmen<span class=\"_ _0\"></span>ts </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ac6 wec4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not later than 1 <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16ff y4ac6 w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1700 y4ac6 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>975<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1259 y4ac6 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,875<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wec5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Later than 1 <span class=\"_ _0\"></span>year but not later<span class=\"_ _0\"></span> than 5 year<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1701 y4ac7 w673 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4ac7 w595 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1703 y4ac7 w904 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wec6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws18\">Later than 5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1705 y4aa1 w682 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1706 y4aa1 w5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1707 y4b3c wec7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1708 y4b3c w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,018<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1709 y4b3c wec8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,347<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wec9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Capital e<span class=\"_ _0\"></span>xpenditure commitmen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170a y4aa3 weca hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170b y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170c y4aa3 wecb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,539<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>Out of total guarantees issued as at 31 December 20<span class=\"_ _0\"></span>23 financial and performance guarantees o<span class=\"_ _0\"></span>f the Group comprised GEL<span class=\"_ _0\"></span> 1,<span class=\"_ _0\"></span>162,825 (31 December 2022: GEL 988,094, 31 December 2021: GEL<span class=\"_ _0\"></span> 1,030,<span class=\"_ _d\"></span>122) and GEL 756,<span class=\"_ _0\"></span>172 (31 December 2022: GEL<span class=\"_ _0\"></span> 729,214, 31 December 2021: GEL<span class=\"_ _0\"></span> 656,791), respectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>The Group discloses its undr<span class=\"_ _0\"></span>awn loan facility<span class=\"_ _0\"></span> balances based on the contr<span class=\"_ _0\"></span>actual terms and existing pr<span class=\"_ _0\"></span>actice in regards <span class=\"_ _0\"></span>to disbursement of <span class=\"_ _0\"></span>these amounts. The balances ar<span class=\"_ _0\"></span>e disclosed as commitments if the Gr<span class=\"_ _0\"></span>oup has an established practice of disbur<span class=\"_ _0\"></span>sing undrawn amounts <span class=\"_ _0\"></span>without any subsequent appr<span class=\"_ _0\"></span>oval.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-740": {
   "value": "23. Equity<span class=\"_ _3e0\"> </span>Share c<span class=\"_ _0\"></span>apital<span class=\"_ _3e0\"> </span>As at 31 December 2023 issued shar<span class=\"_ _0\"></span>e capital comprised 45,<span class=\"_ _0\"></span>766,293 (31 December<span class=\"_ _0\"></span> 2022: 47<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>498,<span class=\"_ _d\"></span>982 31 D<span class=\"_ _2\"></span>ecember 2021: 4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>169<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>428) common shares o<span class=\"_ _0\"></span>f BOGG, all of <span class=\"_ _0\"></span>which were f<span class=\"_ _0\"></span>ully paid. Each shar<span class=\"_ _0\"></span>e has a nominal value of one (1) British penn<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>. Shares issued and outstanding as at 31 December 2023 ar<span class=\"_ _0\"></span>e described below:<span class=\"_ _3e0\"> </span><table class=\"s wecc h152\" id=\"_b2c4a204-9d98-4c79-b94c-e3ea395d38d5\"><tr><td></td><td class=\"t m1 x12ed h77 y4dec ffb fs1d fc1 sc0 ls0 ws0\">Number of </td><td class=\"t m1 x627 h77 y4dec ffb fs1d fc1 sc0 ls0 ws0\">Share  </td></tr><tr><td></td><td class=\"t m1 x1286 h77 y4ded ffb fs1d fc1 sc0 ls0 ws0\">ordinary shares<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x170d h77 y4ded ffb fs1d fc1 sc0 ls0 ws0\">Capital<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4dee w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170e y4dee wecd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>169,428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170f y4dee w179 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4def w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1710 y4def wece hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _d\"></span>,169<span class=\"_ _d\"></span>,428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1711 y4def w179 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a wecf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Buyback and cancellation of<span class=\"_ _0\"></span> own shares<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1712 y4b3a wed0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,6<span class=\"_ _0\"></span>70,446)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1713 y4b3a w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1714 y4b3b wed1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,498,<span class=\"_ _0\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1715 y4b3b w1c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,563<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wecf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Buyback and cancellation of<span class=\"_ _0\"></span> own shares<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1716 y4b46 wed2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,732,689)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1717 y4b46 w9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1718 y4aa3 wed3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">45,766,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x842 y4aa3 wed4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,506<span class=\"_ _3e0\"> </span></div></td></tr></table>In the second half of<span class=\"_ _0\"></span> 2022, the Group commenced a shar<span class=\"_ _0\"></span>e buyback and cancellation progr<span class=\"_ _0\"></span>amme in amount of GEL<span class=\"_ _0\"></span> 112,700 <span class=\"_ _0\"></span>to reduce its share capital and c<span class=\"_ _0\"></span>onsistent with its dividend and capital distribution policy<span class=\"_ _0\"></span> to tar<span class=\"_ _0\"></span>get a dividend/<span class=\"_ _d\"></span>share buyback payout r<span class=\"_ _0\"></span>atio in the range of 30-<span class=\"_ _0\"></span>50% of annual profits. <span class=\"_ _0\"></span>The Group appointed Numis Securities Limited to manage <span class=\"_ _0\"></span>the programme and pur<span class=\"_ _0\"></span>chase shares in the open mark<span class=\"_ _0\"></span>et. The share buyback<span class=\"_ _0\"></span> and cancellation progr<span class=\"_ _0\"></span>amme was completed b<span class=\"_ _0\"></span>y the end of 20<span class=\"_ _0\"></span>22 with purchased and cancelled or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es of 1,67<span class=\"_ _0\"></span>0,446.<span class=\"_ _3e0\"> </span>On 16 February 2023, <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s Board of Dir<span class=\"_ _0\"></span>ectors approv<span class=\"_ _0\"></span>ed a GEL 147<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>984 share buyback and cancellation pr<span class=\"_ _0\"></span>ogramme. <span class=\"_ _0\"></span>The share buyback and cancellation pr<span class=\"_ _0\"></span>ogramme was c<span class=\"_ _0\"></span>ompleted by <span class=\"_ _d\"></span>June 2023 with purchased and cancelled or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es of 1,584,259<span class=\"_ _0\"></span>. On 17 August 2023, <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s Board of Dir<span class=\"_ _0\"></span>ectors approv<span class=\"_ _0\"></span>ed a GEL 62,000 share buyback<span class=\"_ _0\"></span> and cancellation progr<span class=\"_ _0\"></span>amme. T<span class=\"_ _d\"></span>reasury shares<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>reasury shares ar<span class=\"_ _0\"></span>e held by <span class=\"_ _0\"></span>the Group solely<span class=\"_ _0\"></span> for <span class=\"_ _0\"></span>the purpose of futur<span class=\"_ _0\"></span>e employee share-based c<span class=\"_ _0\"></span>ompensation.<span class=\"_ _3e0\"> </span>The number of <span class=\"_ _0\"></span>treasury shares held b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup as at 31 December 2023, comprised 2,<span class=\"_ _d\"></span>155,535 (31 December 2022: 2,516,<span class=\"_ _d\"></span>151, 31 December 2021: 2,268,446), with a nominal amount of GEL<span class=\"_ _0\"></span> 71 (31 December 2022: GEL<span class=\"_ _0\"></span> 83, 31 December 2021: GEL<span class=\"_ _0\"></span> 75).<span class=\"_ _3e0\"> </span>Dividends<span class=\"_ _3e0\"> </span>Shareholders ar<span class=\"_ _0\"></span>e entitled to dividends in pounds sterling.<span class=\"_ _3e0\"> </span>In 2023, 2022 and 2021 the Gr<span class=\"_ _0\"></span>oup distributed dividends on the shares <span class=\"_ _0\"></span>vested and ex<span class=\"_ _0\"></span>ercised during 2023, 2022 and 2021, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>On 17 August 2023, <span class=\"_ _0\"></span>the Board of Dir<span class=\"_ _0\"></span>ectors of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C declared an interim dividend f<span class=\"_ _0\"></span>or 2023 of Geor<span class=\"_ _0\"></span>gian Lari 3.06 per shar<span class=\"_ _0\"></span>e. The curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version period was set to be <span class=\"_ _0\"></span>for the period 2 October<span class=\"_ _0\"></span> to 6 October 2023, with the of<span class=\"_ _0\"></span>ficial GEL:GBP ex<span class=\"_ _0\"></span>change rate of 3.2559<span class=\"_ _d\"></span>, resulting in a GBP-denominated final dividend of<span class=\"_ _0\"></span> 0.<span class=\"_ _0\"></span>9398 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL 134,0<span class=\"_ _0\"></span>78 interim dividends was r<span class=\"_ _0\"></span>eceived by<span class=\"_ _0\"></span> shareholders on 27 October<span class=\"_ _0\"></span> 2023.<span class=\"_ _3e0\"> </span>On 19 May 2023, <span class=\"_ _0\"></span>the shareholders of Bank<span class=\"_ _0\"></span> of Georgia Group PL<span class=\"_ _d\"></span>C declared a final dividend f<span class=\"_ _0\"></span>or 2022 of Geor<span class=\"_ _0\"></span>gian Lari 5.80 per share. The currency<span class=\"_ _0\"></span> conversion period <span class=\"_ _0\"></span>was set to be f<span class=\"_ _0\"></span>or the period 26 <span class=\"_ _0\"></span>June to 30 June 2023, <span class=\"_ _0\"></span>with the official GEL:GBP e<span class=\"_ _0\"></span>xchange rate o<span class=\"_ _0\"></span>f 3.3360, r<span class=\"_ _0\"></span>esulting in a GBP-denominated final dividend of 1.<span class=\"_ _0\"></span>7386 per share. P<span class=\"_ _0\"></span>ayment of the <span class=\"_ _0\"></span>total GEL 262,549 final dividends w<span class=\"_ _0\"></span>as receiv<span class=\"_ _0\"></span>ed by shar<span class=\"_ _0\"></span>eholders on 14 <span class=\"_ _0\"></span>July 2023.<span class=\"_ _3e0\"> </span>On 16 August 2022, the Boar<span class=\"_ _0\"></span>d of Directors o<span class=\"_ _0\"></span>f Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC declar<span class=\"_ _0\"></span>ed an interim dividend f<span class=\"_ _0\"></span>or 2022 of Geor<span class=\"_ _0\"></span>gian Lari 1.85 per share<span class=\"_ _0\"></span>. The curr<span class=\"_ _0\"></span>ency conver<span class=\"_ _0\"></span>sion period was set to be f<span class=\"_ _0\"></span>or the period 3 October t<span class=\"_ _0\"></span>o 7 October 2022, with the official GEL:GBP ex<span class=\"_ _0\"></span>change rate of 3.<span class=\"_ _d\"></span>1671, resulting in a GBP<span class=\"_ _0\"></span>-denominated final dividend of 0.584<span class=\"_ _0\"></span>1 per share. P<span class=\"_ _0\"></span>ayment of the t<span class=\"_ _0\"></span>otal GEL 84,418 interim dividends was r<span class=\"_ _0\"></span>eceived by<span class=\"_ _0\"></span> shareholders on 20 October 2022.<span class=\"_ _3e0\"> </span>On 20 June 20<span class=\"_ _0\"></span>22, the shareholders of Bank of<span class=\"_ _0\"></span> Georgia Group PL<span class=\"_ _d\"></span>C declared a final dividend for<span class=\"_ _0\"></span> 2021 of Georgian Lari 2.33 per shar<span class=\"_ _0\"></span>e. The currency<span class=\"_ _0\"></span> conversion period <span class=\"_ _0\"></span>was set to be f<span class=\"_ _0\"></span>or the period 27 <span class=\"_ _0\"></span>June to 1 July<span class=\"_ _0\"></span> 2022, with the official GEL:GBP e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate of 3.5858, resulting in a GBP-denominated <span class=\"_ _0\"></span>final dividend of 0.6498 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL<span class=\"_ _0\"></span> 112<span class=\"_ _2\"></span>,096 final dividends <span class=\"_ _0\"></span>was receiv<span class=\"_ _0\"></span>ed by shar<span class=\"_ _0\"></span>eholders on 11 <span class=\"_ _0\"></span>July 2022.<span class=\"_ _3e0\"> </span>On 17 August 2021, <span class=\"_ _0\"></span>the Board of Dir<span class=\"_ _0\"></span>ectors of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C declared an interim dividend f<span class=\"_ _0\"></span>or 2021 of Geor<span class=\"_ _0\"></span>gian Lari 1.48 per share<span class=\"_ _0\"></span>. The curr<span class=\"_ _0\"></span>ency conver<span class=\"_ _0\"></span>sion period was set to be 18 to 22 October<span class=\"_ _0\"></span> 2021, with the official GEL:GBP e<span class=\"_ _0\"></span>xchange rat<span class=\"_ _0\"></span>e of 4.3219, resulting in a GBP-denominated <span class=\"_ _0\"></span>final dividend of 0.3424 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL 71,838 interim dividends <span class=\"_ _0\"></span>was received by<span class=\"_ _0\"></span> shareholders on 5 Nov<span class=\"_ _0\"></span>ember 2021.<span class=\"_ _3e0\"> </span>Nature and purpo<span class=\"_ _0\"></span>se of other r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves<span class=\"_ _3e0\"> </span>Unrealised gains and loss<span class=\"_ _0\"></span>es on investmen<span class=\"_ _0\"></span>t securities<span class=\"_ _3e0\"> </span>This reserve r<span class=\"_ _0\"></span>ecords f<span class=\"_ _0\"></span>air value changes on in<span class=\"_ _0\"></span>vestment securities. Unrealised gains and loss<span class=\"_ _0\"></span>es from dilution or<span class=\"_ _0\"></span> sale/<span class=\"_ _5\"></span>acquisition of shares in e<span class=\"_ _d\"></span>xisting subsidiaries<span class=\"_ _3e0\"> </span>This reserve r<span class=\"_ _0\"></span>ecords unrealised gains and lo<span class=\"_ _0\"></span>sses from dilution or<span class=\"_ _0\"></span> sale/<span class=\"_ _d\"></span>acquisition of shar<span class=\"_ _0\"></span>es in existing subsidiaries.<span class=\"_ _3e0\"> </span>For<span class=\"_ _0\"></span>eign currency tr<span class=\"_ _0\"></span>anslation reserve<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>oreign currency<span class=\"_ _0\"></span> translation r<span class=\"_ _0\"></span>eserve is used to recor<span class=\"_ _0\"></span>d exchange dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ences arising fr<span class=\"_ _0\"></span>om the translation of<span class=\"_ _0\"></span> the financial statements of subsidiaries <span class=\"_ _0\"></span>with functional currency<span class=\"_ _0\"></span> other than GEL.<span class=\"_ _3e0\"> </span>Movements on <span class=\"_ _0\"></span>this account during the <span class=\"_ _0\"></span>years ended 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021 ar<span class=\"_ _0\"></span>e presented in the statements of other<span class=\"_ _0\"></span> comprehensive inc<span class=\"_ _0\"></span>ome.<span class=\"_ _3e0\"> </span>The movements in <span class=\"_ _0\"></span>foreign curr<span class=\"_ _0\"></span>ency tr<span class=\"_ _0\"></span>anslation reserve wer<span class=\"_ _0\"></span>e as follows:<span class=\"_ _3e0\"> </span><table class=\"s wed5 h153\" id=\"_532cdebf-ae62-46b2-94d1-6a4140495b09\"><tr><td></td><td class=\"t m1 x4d9 h77 y4df0 ffb fs1d fc1 sc0 ls0 ws0\">Foreign </td></tr><tr><td></td><td class=\"t m1 x1719 h77 y4df1 ffb fs1d fc1 sc0 ls0 ws0\">currency </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4df2 ffb fs1d fc1 sc0 ls0 ws0\">translation </td></tr><tr><td></td><td class=\"t m1 x170d h77 y4df3 ffb fs1d fc1 sc0 lsa0 wseb\">rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c20 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x957 y4c20 wed6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(56,87<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df4 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171a y4df4 w453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>3<span class=\"_ _39\"></span>,94<span class=\"_ _39\"></span>9)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c22 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171b y4c22 wed8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(60<span class=\"_ _0\"></span>,825)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df5 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171c y4df5 w47f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,451)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171d y4bf1 w121 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(70,27<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df6 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x977 y4df6 wed9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,34<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171e y4aa3 weda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,620)<span class=\"_ _3e0\"> </span></div></td></tr></table>Earnings per shar<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span><table class=\"s wc2a h109\" id=\"_6322eaba-07ea-47b5-8dba-20218f841084\"><tr><td></td><td class=\"c n x8d8 y4df7 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4df7 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4df7 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4df8 ffb fs8 fc1 sc0 ls0 ws0\">Basic earnings per share<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bef wedb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Profit <span class=\"_ _0\"></span>for the <span class=\"_ _0\"></span>year attributable <span class=\"_ _0\"></span>to ordinary shareholder<span class=\"_ _0\"></span>s of the Group<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171f y4bef w138 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,391,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1720 y4bef w1ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439,50<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1721 y4bef w13a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">723,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ac9 wedc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted aver<span class=\"_ _0\"></span>age number of ordinary shar<span class=\"_ _0\"></span>es outstanding during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1722 y4ac9 wedd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,<span class=\"_ _2\"></span>454,395<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1723 y4ac9 w261 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,4<span class=\"_ _2\"></span>43,820<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1724 y4ac9 wede hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,543,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4aa3 wedf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Basic earnings per share<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1725 y4aa3 wee0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31.2967<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1726 y4aa3 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.<span class=\"_ _0\"></span>9946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1727 y4aa3 w144 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15.2240<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wc2a h154\" id=\"_a6143602-bf78-4542-af86-a349b0a7e759\"><tr><td></td><td class=\"c n x8d8 y4df9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4df9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4df9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dfa ffb fs8 fc1 sc0 ls0 ws0\">Diluted earnings per share<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4dfb ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ect of dilution on weighted aver<span class=\"_ _0\"></span>age number of or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bf1 wee1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dilutive unvested shar<span class=\"_ _0\"></span>e options<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1728 y4bf1 wee2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,273,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1729 y4bf1 w9d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,013,330<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172a y4bf1 w225 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,098,682<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ac9 wee3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted aver<span class=\"_ _0\"></span>age number of ordinary shar<span class=\"_ _0\"></span>es adjusted f<span class=\"_ _0\"></span>or the eff<span class=\"_ _0\"></span>ect of dilution<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172b y4ac9 wee4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,727<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172c y4ac9 wee5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>457<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>150<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172d y4ac9 wee6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,6<span class=\"_ _2\"></span>42,563<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4aa3 wee7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Diluted earnings per shar<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172e y4aa3 wee8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.4252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172f y4aa3 w147 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.3328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1730 y4aa3 w148 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14.8801</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-785": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs52d\">Share c<span class=\"_ _0\"></span>apital<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs52e\">As at 31 December 2023 issued shar<span class=\"_ _0\"></span>e capital comprised 45,<span class=\"_ _0\"></span>766,293 (31 December<span class=\"_ _0\"></span> 2022: 47<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>498,<span class=\"_ _d\"></span>982 31 D<span class=\"_ _2\"></span>ecember 2021: 4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>169<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>428) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs52f\">common shares o<span class=\"_ _0\"></span>f BOGG, all of <span class=\"_ _0\"></span>which were f<span class=\"_ _0\"></span>ully paid. Each shar<span class=\"_ _0\"></span>e has a nominal value of one (1) British penn<span class=\"_ _0\"></span>y<span class=\"_ _d\"></span>. Shares issued and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs530\">outstanding as at 31 December 2023 ar<span class=\"_ _0\"></span>e described below:<span class=\"_ _3e0\"> </span></div><div class=\"gs531\"><table class=\"s wecc h152\" id=\"_b2c4a204-9d98-4c79-b94c-e3ea395d38d5\"><tr><td></td><td class=\"t m1 x12ed h77 y4dec ffb fs1d fc1 sc0 ls0 ws0\">Number of </td><td class=\"t m1 x627 h77 y4dec ffb fs1d fc1 sc0 ls0 ws0\">Share  </td></tr><tr><td></td><td class=\"t m1 x1286 h77 y4ded ffb fs1d fc1 sc0 ls0 ws0\">ordinary shares<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x170d h77 y4ded ffb fs1d fc1 sc0 ls0 ws0\">Capital<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4dee w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170e y4dee wecd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>169,428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x170f y4dee w179 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4def w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1710 y4def wece hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _d\"></span>,169<span class=\"_ _d\"></span>,428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1711 y4def w179 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,618<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a wecf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Buyback and cancellation of<span class=\"_ _0\"></span> own shares<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1712 y4b3a wed0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,6<span class=\"_ _0\"></span>70,446)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1713 y4b3a w1c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(55)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1714 y4b3b wed1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,498,<span class=\"_ _0\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1715 y4b3b w1c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,563<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wecf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Buyback and cancellation of<span class=\"_ _0\"></span> own shares<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1716 y4b46 wed2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,732,689)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1717 y4b46 w9d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(57)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1718 y4aa3 wed3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">45,766,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x842 y4aa3 wed4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,506<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs532\">In the second half of<span class=\"_ _0\"></span> 2022, the Group commenced a shar<span class=\"_ _0\"></span>e buyback and cancellation progr<span class=\"_ _0\"></span>amme in amount of GEL<span class=\"_ _0\"></span> 112,700 <span class=\"_ _0\"></span>to reduce </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs533\">its share capital and c<span class=\"_ _0\"></span>onsistent with its dividend and capital distribution policy<span class=\"_ _0\"></span> to tar<span class=\"_ _0\"></span>get a dividend/<span class=\"_ _d\"></span>share buyback payout r<span class=\"_ _0\"></span>atio in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs534\">the range of 30-<span class=\"_ _0\"></span>50% of annual profits. <span class=\"_ _0\"></span>The Group appointed Numis Securities Limited to manage <span class=\"_ _0\"></span>the programme and pur<span class=\"_ _0\"></span>chase </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs535\">shares in the open mark<span class=\"_ _0\"></span>et. The share buyback<span class=\"_ _0\"></span> and cancellation progr<span class=\"_ _0\"></span>amme was completed b<span class=\"_ _0\"></span>y the end of 20<span class=\"_ _0\"></span>22 with purchased and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs536\">cancelled or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es of 1,67<span class=\"_ _0\"></span>0,446.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs537\">On 16 February 2023, <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s Board of Dir<span class=\"_ _0\"></span>ectors approv<span class=\"_ _0\"></span>ed a GEL 147<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>984 share buyback and cancellation pr<span class=\"_ _0\"></span>ogramme. <span class=\"_ _0\"></span>The share </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs538\">buyback and cancellation pr<span class=\"_ _0\"></span>ogramme was c<span class=\"_ _0\"></span>ompleted by <span class=\"_ _d\"></span>June 2023 with purchased and cancelled or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es of 1,584,259<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs539\">On 17 August 2023, <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s Board of Dir<span class=\"_ _0\"></span>ectors approv<span class=\"_ _0\"></span>ed a GEL 62,000 share buyback<span class=\"_ _0\"></span> and cancellation progr<span class=\"_ _0\"></span>amme. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-784": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs53b\">T<span class=\"_ _d\"></span>reasury shares<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs53c\">T<span class=\"_ _d\"></span>reasury shares ar<span class=\"_ _0\"></span>e held by <span class=\"_ _0\"></span>the Group solely<span class=\"_ _0\"></span> for <span class=\"_ _0\"></span>the purpose of futur<span class=\"_ _0\"></span>e employee share-based c<span class=\"_ _0\"></span>ompensation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs53d\">The number of <span class=\"_ _0\"></span>treasury shares held b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup as at 31 December 2023, comprised 2,<span class=\"_ _d\"></span>155,535 (31 December 2022: 2,516,<span class=\"_ _d\"></span>151, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs53e\">31 December 2021: 2,268,446), with a nominal amount of GEL<span class=\"_ _0\"></span> 71 (31 December 2022: GEL<span class=\"_ _0\"></span> 83, 31 December 2021: GEL<span class=\"_ _0\"></span> 75).<span class=\"_ _3e0\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-783": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs540\">Dividends<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs541\">Shareholders ar<span class=\"_ _0\"></span>e entitled to dividends in pounds sterling.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs542\">In 2023, 2022 and 2021 the Gr<span class=\"_ _0\"></span>oup distributed dividends on the shares <span class=\"_ _0\"></span>vested and ex<span class=\"_ _0\"></span>ercised during 2023, 2022 and 2021, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs543\">On 17 August 2023, <span class=\"_ _0\"></span>the Board of Dir<span class=\"_ _0\"></span>ectors of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C declared an interim dividend f<span class=\"_ _0\"></span>or 2023 of Geor<span class=\"_ _0\"></span>gian Lari </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs544\">3.06 per shar<span class=\"_ _0\"></span>e. The curr<span class=\"_ _0\"></span>ency con<span class=\"_ _0\"></span>version period was set to be <span class=\"_ _0\"></span>for the period 2 October<span class=\"_ _0\"></span> to 6 October 2023, with the of<span class=\"_ _0\"></span>ficial GEL:GBP </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs545\">ex<span class=\"_ _0\"></span>change rate of 3.2559<span class=\"_ _d\"></span>, resulting in a GBP-denominated final dividend of<span class=\"_ _0\"></span> 0.<span class=\"_ _0\"></span>9398 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL 134,0<span class=\"_ _0\"></span>78 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs546\">interim dividends was r<span class=\"_ _0\"></span>eceived by<span class=\"_ _0\"></span> shareholders on 27 October<span class=\"_ _0\"></span> 2023.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs548\">On 19 May 2023, <span class=\"_ _0\"></span>the shareholders of Bank<span class=\"_ _0\"></span> of Georgia Group PL<span class=\"_ _d\"></span>C declared a final dividend f<span class=\"_ _0\"></span>or 2022 of Geor<span class=\"_ _0\"></span>gian Lari 5.80 per share. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs549\">The currency<span class=\"_ _0\"></span> conversion period <span class=\"_ _0\"></span>was set to be f<span class=\"_ _0\"></span>or the period 26 <span class=\"_ _0\"></span>June to 30 June 2023, <span class=\"_ _0\"></span>with the official GEL:GBP e<span class=\"_ _0\"></span>xchange rate o<span class=\"_ _0\"></span>f </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54a\">3.3360, r<span class=\"_ _0\"></span>esulting in a GBP-denominated final dividend of 1.<span class=\"_ _0\"></span>7386 per share. P<span class=\"_ _0\"></span>ayment of the <span class=\"_ _0\"></span>total GEL 262,549 final dividends w<span class=\"_ _0\"></span>as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54b\">receiv<span class=\"_ _0\"></span>ed by shar<span class=\"_ _0\"></span>eholders on 14 <span class=\"_ _0\"></span>July 2023.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54c\">On 16 August 2022, the Boar<span class=\"_ _0\"></span>d of Directors o<span class=\"_ _0\"></span>f Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC declar<span class=\"_ _0\"></span>ed an interim dividend f<span class=\"_ _0\"></span>or 2022 of Geor<span class=\"_ _0\"></span>gian Lari </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54d\">1.85 per share<span class=\"_ _0\"></span>. The curr<span class=\"_ _0\"></span>ency conver<span class=\"_ _0\"></span>sion period was set to be f<span class=\"_ _0\"></span>or the period 3 October t<span class=\"_ _0\"></span>o 7 October 2022, with the official GEL:GBP </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54e\">ex<span class=\"_ _0\"></span>change rate of 3.<span class=\"_ _d\"></span>1671, resulting in a GBP<span class=\"_ _0\"></span>-denominated final dividend of 0.584<span class=\"_ _0\"></span>1 per share. P<span class=\"_ _0\"></span>ayment of the t<span class=\"_ _0\"></span>otal GEL 84,418 interim </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs54f\">dividends was r<span class=\"_ _0\"></span>eceived by<span class=\"_ _0\"></span> shareholders on 20 October 2022.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs550\">On 20 June 20<span class=\"_ _0\"></span>22, the shareholders of Bank of<span class=\"_ _0\"></span> Georgia Group PL<span class=\"_ _d\"></span>C declared a final dividend for<span class=\"_ _0\"></span> 2021 of Georgian Lari 2.33 per shar<span class=\"_ _0\"></span>e. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs551\">The currency<span class=\"_ _0\"></span> conversion period <span class=\"_ _0\"></span>was set to be f<span class=\"_ _0\"></span>or the period 27 <span class=\"_ _0\"></span>June to 1 July<span class=\"_ _0\"></span> 2022, with the official GEL:GBP e<span class=\"_ _0\"></span>xchange r<span class=\"_ _0\"></span>ate of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs552\">3.5858, resulting in a GBP-denominated <span class=\"_ _0\"></span>final dividend of 0.6498 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL<span class=\"_ _0\"></span> 112<span class=\"_ _2\"></span>,096 final dividends <span class=\"_ _0\"></span>was </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs553\">receiv<span class=\"_ _0\"></span>ed by shar<span class=\"_ _0\"></span>eholders on 11 <span class=\"_ _0\"></span>July 2022.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs554\">On 17 August 2021, <span class=\"_ _0\"></span>the Board of Dir<span class=\"_ _0\"></span>ectors of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C declared an interim dividend f<span class=\"_ _0\"></span>or 2021 of Geor<span class=\"_ _0\"></span>gian Lari 1.48 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs555\">per share<span class=\"_ _0\"></span>. The curr<span class=\"_ _0\"></span>ency conver<span class=\"_ _0\"></span>sion period was set to be 18 to 22 October<span class=\"_ _0\"></span> 2021, with the official GEL:GBP e<span class=\"_ _0\"></span>xchange rat<span class=\"_ _0\"></span>e of 4.3219, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs556\">resulting in a GBP-denominated <span class=\"_ _0\"></span>final dividend of 0.3424 per shar<span class=\"_ _0\"></span>e. Payment of <span class=\"_ _0\"></span>the total GEL 71,838 interim dividends <span class=\"_ _0\"></span>was received </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs557\">by<span class=\"_ _0\"></span> shareholders on 5 Nov<span class=\"_ _0\"></span>ember 2021.<span class=\"_ _3e0\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-786": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs559\">Nature and purpo<span class=\"_ _0\"></span>se of other r<span class=\"_ _0\"></span>eser<span class=\"_ _2\"></span>ves<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs55a\">Unrealised gains and loss<span class=\"_ _0\"></span>es on investmen<span class=\"_ _0\"></span>t securities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs55b\">This reserve r<span class=\"_ _0\"></span>ecords f<span class=\"_ _0\"></span>air value changes on in<span class=\"_ _0\"></span>vestment securities. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs55c\">Unrealised gains and loss<span class=\"_ _0\"></span>es from dilution or<span class=\"_ _0\"></span> sale/<span class=\"_ _5\"></span>acquisition of shares in e<span class=\"_ _d\"></span>xisting subsidiaries<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs55d\">This reserve r<span class=\"_ _0\"></span>ecords unrealised gains and lo<span class=\"_ _0\"></span>sses from dilution or<span class=\"_ _0\"></span> sale/<span class=\"_ _d\"></span>acquisition of shar<span class=\"_ _0\"></span>es in existing subsidiaries.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs55e\">For<span class=\"_ _0\"></span>eign currency tr<span class=\"_ _0\"></span>anslation reserve<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs55f\">The f<span class=\"_ _0\"></span>oreign currency<span class=\"_ _0\"></span> translation r<span class=\"_ _0\"></span>eserve is used to recor<span class=\"_ _0\"></span>d exchange dif<span class=\"_ _0\"></span>fer<span class=\"_ _0\"></span>ences arising fr<span class=\"_ _0\"></span>om the translation of<span class=\"_ _0\"></span> the financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs560\">statements of subsidiaries <span class=\"_ _0\"></span>with functional currency<span class=\"_ _0\"></span> other than GEL.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs561\">Movements on <span class=\"_ _0\"></span>this account during the <span class=\"_ _0\"></span>years ended 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021 ar<span class=\"_ _0\"></span>e presented in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs562\">the statements of other<span class=\"_ _0\"></span> comprehensive inc<span class=\"_ _0\"></span>ome.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs563\">The movements in <span class=\"_ _0\"></span>foreign curr<span class=\"_ _0\"></span>ency tr<span class=\"_ _0\"></span>anslation reserve wer<span class=\"_ _0\"></span>e as follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs564\"><table class=\"s wed5 h153\" id=\"_532cdebf-ae62-46b2-94d1-6a4140495b09\"><tr><td></td><td class=\"t m1 x4d9 h77 y4df0 ffb fs1d fc1 sc0 ls0 ws0\">Foreign </td></tr><tr><td></td><td class=\"t m1 x1719 h77 y4df1 ffb fs1d fc1 sc0 ls0 ws0\">currency </td></tr><tr><td></td><td class=\"t m1 x4e1 h77 y4df2 ffb fs1d fc1 sc0 ls0 ws0\">translation </td></tr><tr><td></td><td class=\"t m1 x170d h77 y4df3 ffb fs1d fc1 sc0 lsa0 wseb\">rese<span class=\"_ _2\"></span>r<span class=\"_ _2\"></span>ve<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4c20 w178 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x957 y4c20 wed6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(56,87<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df4 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171a y4df4 w453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>3<span class=\"_ _39\"></span>,94<span class=\"_ _39\"></span>9)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c22 w1a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171b y4c22 wed8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(60<span class=\"_ _0\"></span>,825)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df5 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171c y4df5 w47f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,451)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf1 w1c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171d y4bf1 w121 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(70,27<span class=\"_ _0\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4df6 wed7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Loss fr<span class=\"_ _0\"></span>om currency tr<span class=\"_ _0\"></span>anslation differ<span class=\"_ _0\"></span>ences<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x977 y4df6 wed9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,34<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1f2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171e y4aa3 weda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(78,620)<span class=\"_ _3e0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-787": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs566\">Earnings per shar<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span></div><div class=\"gs567\"><table class=\"s wc2a h109\" id=\"_6322eaba-07ea-47b5-8dba-20218f841084\"><tr><td></td><td class=\"c n x8d8 y4df7 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4df7 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4df7 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4df8 ffb fs8 fc1 sc0 ls0 ws0\">Basic earnings per share<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bef wedb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Profit <span class=\"_ _0\"></span>for the <span class=\"_ _0\"></span>year attributable <span class=\"_ _0\"></span>to ordinary shareholder<span class=\"_ _0\"></span>s of the Group<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x171f y4bef w138 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,391,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1720 y4bef w1ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439,50<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1721 y4bef w13a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">723,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ac9 wedc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted aver<span class=\"_ _0\"></span>age number of ordinary shar<span class=\"_ _0\"></span>es outstanding during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1722 y4ac9 wedd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,<span class=\"_ _2\"></span>454,395<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1723 y4ac9 w261 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,4<span class=\"_ _2\"></span>43,820<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1724 y4ac9 wede hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,543,881<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4aa3 wedf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Basic earnings per share<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1725 y4aa3 wee0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31.2967<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1726 y4aa3 wd54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.<span class=\"_ _0\"></span>9946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1727 y4aa3 w144 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15.2240<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs568\"><table class=\"s wc2a h154\" id=\"_a6143602-bf78-4542-af86-a349b0a7e759\"><tr><td></td><td class=\"c n x8d8 y4df9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4df9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4df9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4dfa ffb fs8 fc1 sc0 ls0 ws0\">Diluted earnings per share<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4dfb ff2 fs8 fc1 sc0 ls0 ws0\">Eff<span class=\"_ _0\"></span>ect of dilution on weighted aver<span class=\"_ _0\"></span>age number of or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4bf1 wee1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Dilutive unvested shar<span class=\"_ _0\"></span>e options<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1728 y4bf1 wee2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,273,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1729 y4bf1 w9d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,013,330<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172a y4bf1 w225 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,098,682<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ac9 wee3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted aver<span class=\"_ _0\"></span>age number of ordinary shar<span class=\"_ _0\"></span>es adjusted f<span class=\"_ _0\"></span>or the eff<span class=\"_ _0\"></span>ect of dilution<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172b y4ac9 wee4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,727<span class=\"_ _d\"></span>,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172c y4ac9 wee5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>457<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>150<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172d y4ac9 wee6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,6<span class=\"_ _2\"></span>42,563<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4aa3 wee7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Diluted earnings per shar<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172e y4aa3 wee8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.4252<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x172f y4aa3 w147 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30.3328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1730 y4aa3 w148 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14.8801</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-741": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs56a\">24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div><div class=\"gs49d\"><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-832": {
   "value": "24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-828": {
   "value": "24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-821": {
   "value": "24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-809": {
   "value": "24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-788": {
   "value": "24. <span class=\"_ _84\"> </span>Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span><table class=\"s wee9 h155\" id=\"_009fbe86-0ea6-47d8-8fbb-a9a12b317388\"><tr><td></td><td class=\"c n x8d8 y4d8e w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d8e w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d8e w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a94 wba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income calculated using EIR method<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1731 y4a94 weea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,734,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1732 y4a94 wbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,236,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1733 y4a94 weeb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,822<span class=\"_ _2\"></span>,307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c07 weec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1734 y4c07 weed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,315,010<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1735 y4c07 weee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>917<span class=\"_ _d\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1736 y4c07 weef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,614,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a96 wef0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1737 y4a96 w53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">356,<span class=\"_ _0\"></span>945<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1738 y4a96 wef1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1739 y4a96 wef2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _0\"></span>,802<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4a97 wef3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173a y4a97 wef4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173b y4a97 wef5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173c y4a97 wef6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4c08 wef7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net (losses)/<span class=\"_ _5\"></span>gains on modification of financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173d y4c08 wef8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,380)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173e y4c08 wef9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(26,<span class=\"_ _d\"></span>138)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x173f y4c08 wefa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10<span class=\"_ _0\"></span>,45<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c09 wbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1740 y4c09 wbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1741 y4c09 wc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a0 y4c09 wefb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,737<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b35 wefc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om finance lease receiv<span class=\"_ _0\"></span>able<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1742 y4b35 wada hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>962<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1743 y4b35 wefd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,57<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1744 y4b35 wefe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,727<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4dfc weff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fr<span class=\"_ _0\"></span>om other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1745 y4dfc w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1746 y4dfc wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1747 y4dfc w3a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 wc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x24b y4ac2 wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,748,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1748 y4ac2 w53c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,256,881<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1749 y4ac2 wf00 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,851,<span class=\"_ _0\"></span>04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0c wf01 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174a y4c0c wf02 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(796,724<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174b y4c0c w7a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(569<span class=\"_ _0\"></span>,436)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174c y4c0c wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(497<span class=\"_ _0\"></span>,74<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d wf04 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174d y4a9d wf05 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(290,<span class=\"_ _d\"></span>198)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174e y4a9d wf06 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(426,<span class=\"_ _d\"></span>950)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x174f y4a9d we74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(297<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf07 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1750 y4a9e w851 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(45,305)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1751 y4a9e w846 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(84,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1752 y4a9e wf08 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(112,431)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c95 wf09 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t element of cross-curr<span class=\"_ _0\"></span>ency swaps<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1753 y4c95 w384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1754 y4c95 w192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x150e y4c95 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,632<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 wf0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">On lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1755 y4c96 w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,617)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1756 y4c96 w509 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,855)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1757 y4c96 wf0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>980)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b wf0c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Intere<span class=\"_ _0\"></span>st expense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1758 y4b3b wf0d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>112<span class=\"_ _2\"></span>,568)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1759 y4b3b wf0e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,056,829)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x965 y4b3b wf0f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(882<span class=\"_ _2\"></span>,474<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf wca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Deposit insurance f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175a y4adf wf10 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20<span class=\"_ _0\"></span>,247)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175b y4adf w867 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,717)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175c y4adf w25b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14<span class=\"_ _2\"></span>,629)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net inter<span class=\"_ _0\"></span>est income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175d y4aa3 wf11 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,615,446<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175e y4aa3 wf12 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>182,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 wf13 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">953<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>941</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-742": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs56c\">25.  Net f<span class=\"_ _0\"></span>ee and commission income<span class=\"_ _3e0\"> </span></div><div class=\"gs56d\"><table class=\"s wc2e h156\" id=\"_bba828f2-60a8-429b-b8fd-d69b12703bdb\"><tr><td></td><td class=\"c n x8d8 y4dfd w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dfd w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dfd w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dfe wf14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Settlements oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103e y4dfe w20c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">539,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1760 y4dfe w168 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>46,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14bf y4dfe wf15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _d\"></span>,471<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dff wf16 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Currency<span class=\"_ _0\"></span> conversion oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1761 y4dff wf17 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>9,37<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1762 y4dff waee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1165 y4dff wf18 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,7<span class=\"_ _0\"></span>83<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e00 wf19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Guarantees and le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1763 y4e00 w9d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1764 y4e00 w992 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,283<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1765 y4e00 wf1a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,402<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e01 wf1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1766 y4e01 we24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,089<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1767 y4e01 wb19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1768 y4e01 we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>981<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e02 wf1c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe33 y4e02 w1da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1769 y4e02 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,896<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176a y4e02 wf1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,439<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 wf1e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Brok<span class=\"_ _0\"></span>erage service fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xac7 y4de8 w8c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176b y4de8 w324 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176c y4de8 wf1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>912<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176d y4de9 we22 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176e y4de9 wf20 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x176f y4de9 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,841<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7a wf21 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Fee and commission inc<span class=\"_ _0\"></span>ome<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1770 y4c7a wf22 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>07<span class=\"_ _d\"></span>,765<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1771 y4c7a wbdb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">559<span class=\"_ _0\"></span>,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1772 y4c7a wf23 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">390,829<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d09 wf14 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Settlements oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1773 y4d09 wf24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(229<span class=\"_ _0\"></span>,251)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1774 y4d09 wf25 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(197<span class=\"_ _d\"></span>,089)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1775 y4d09 w28a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(134,390)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dbd wf1c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash operations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7 y4dbd w667 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(20,315)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xffd y4dbd w8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27<span class=\"_ _d\"></span>,211)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1776 y4dbd wf26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(9<span class=\"_ _0\"></span>,626)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0b wf16 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Currency<span class=\"_ _0\"></span> conversion oper<span class=\"_ _0\"></span>ations<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1777 y4d0b wf27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _d\"></span>146)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1778 y4d0b wf28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(6,<span class=\"_ _2\"></span>403)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1779 y4d0b wf29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,571)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c wf1e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Brok<span class=\"_ _0\"></span>erage service fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177a y4d0c wf2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,587)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177b y4d0c w3ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>079)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4d0c w509 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,894)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wf19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Guarantees and le<span class=\"_ _0\"></span>tters of cr<span class=\"_ _0\"></span>edit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177c y4ac6 w6ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(239)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1014 y4ac6 wf2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177d y4ac6 w4ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(724)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wf1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Advisory<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177e y4ac7 w214 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">(301)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177f y4ac7 w1a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x648 y4ac7 w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(653)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9be y4aa1 wf26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsad ws39\">(<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,444<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1780 y4aa1 wf2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1781 y4aa1 wf2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,540)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wf2e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Fee and commission e<span class=\"_ _d\"></span>xpense<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1782 y4b3c w88e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(273,283)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1783 y4b3c wf2f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(241,97<span class=\"_ _d\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1784 y4b3c w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(158,398)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wdb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net fee and c<span class=\"_ _0\"></span>ommission income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1785 y4aa3 wf30 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">434,<span class=\"_ _2\"></span>482<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1786 y4aa3 w97d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">317<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>491<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dd y4aa3 wf31 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">232<span class=\"_ _2\"></span>,431<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws7 gs56e\">Re<span class=\"_ _0\"></span>venue fr<span class=\"_ _0\"></span>om customers<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs56f\">In 2023, the Gr<span class=\"_ _0\"></span>oup recognised GEL<span class=\"_ _0\"></span> 584,860 revenue f<span class=\"_ _0\"></span>rom contr<span class=\"_ _0\"></span>acts with customers in the income statement, including f<span class=\"_ _0\"></span>ee and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs570\">commission as well as net o<span class=\"_ _0\"></span>ther income (2022: GEL<span class=\"_ _0\"></span> 481,375, 2021: GEL 341,873).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs571\">Contr<span class=\"_ _0\"></span>act assets and liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs572\">As at 31 December 2023, <span class=\"_ _0\"></span>the Group has recognised GEL<span class=\"_ _0\"></span> 60,<span class=\"_ _d\"></span>165<span class=\"_ gs7d\"> </span>of re<span class=\"_ _0\"></span>venue-related con<span class=\"_ _0\"></span>tract liabilities (2022: GEL 50<span class=\"_ _0\"></span>,451, 2021:  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs573\">GEL 40<span class=\"_ _0\"></span>,878). Acc<span class=\"_ _0\"></span>ounts receivable<span class=\"_ _0\"></span>s are recognised <span class=\"_ _0\"></span>when the right to consider<span class=\"_ _0\"></span>ation becomes unconditional. Def<span class=\"_ _0\"></span>erred re<span class=\"_ _0\"></span>venue is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs574\">recognised as r<span class=\"_ _0\"></span>evenue as we perf<span class=\"_ _0\"></span>orm under the contr<span class=\"_ _0\"></span>act<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs575\">The Group does not adjust <span class=\"_ _0\"></span>the promised amount of c<span class=\"_ _0\"></span>onsideration f<span class=\"_ _0\"></span>or the eff<span class=\"_ _0\"></span>ects of a significant financing componen<span class=\"_ _0\"></span>t if the Group </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs576\">expects, at contr<span class=\"_ _0\"></span>act inception, that the period between <span class=\"_ _0\"></span>when the Group tr<span class=\"_ _0\"></span>ansfers a pr<span class=\"_ _0\"></span>omised good or service to a customer and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs577\">when the customer pays <span class=\"_ _0\"></span>for that good or<span class=\"_ _0\"></span> service will be one year<span class=\"_ _0\"></span> or less.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs578\">In 2023, the Gr<span class=\"_ _0\"></span>oup recognised GEL<span class=\"_ _0\"></span> 48,303 revenue (2022: GEL<span class=\"_ _0\"></span> 38,495, 2021: GEL<span class=\"_ _0\"></span> 10,619<span class=\"_ _0\"></span>) that relates<span class=\"_ gs7d\"> </span>to c<span class=\"_ _0\"></span>arried-forward c<span class=\"_ _0\"></span>ontract </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs579\">liabilities and was pr<span class=\"_ _0\"></span>eviously included in the def<span class=\"_ _0\"></span>erred income<span class=\"_ _0\"></span>. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs57b\">T<span class=\"_ _d\"></span>ransaction price allocated <span class=\"_ _0\"></span>to the remaining performanc<span class=\"_ _0\"></span>e obligations<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs57c\">The f<span class=\"_ _0\"></span>ollowing table includes rev<span class=\"_ _0\"></span>enue expected to be r<span class=\"_ _0\"></span>ecognised in the futur<span class=\"_ _0\"></span>e related to perf<span class=\"_ _0\"></span>ormance obligations that are unsatisfied </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs57d\">at the reporting date:<span class=\"_ _3e0\"> </span></div><div class=\"gs528\"><table class=\"s wf32 h157\" id=\"_7a5015dd-dade-4c69-adf4-e85262ff0bed\"><tr><td></td><td class=\"c n x779 y4e03 w49c hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">In 1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1787 y4e03 wf33 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">In 2 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1788 y4e03 wf34 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">In <span class=\"_ _2\"></span>3 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1789 y4e03 wf35 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">In 3 to 5 <span class=\"_ _0\"></span>years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178a y4e03 wf36 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">In 5 to 10 y<span class=\"_ _0\"></span>ears<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178b y4e03 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef wf37 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178c y4bef wf38 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">55,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178d y4bef wb9a h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">2,428<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178e y4bef w46 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x178f y4bef w7b3 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls5c ws8d\">594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1790 y4bef wf39 h11f\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls35 ws63\">87<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1618 y4bef w57c h11f\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">60,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 wf3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1791 y4ac9 wf3b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1792 y4ac9 wf3c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 lsae ws48\">2<span class=\"_ _2\"></span>,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1793 y4ac9 w76e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1794 y4ac9 wf39 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 lsa3 ws89\">46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1795 y4ac9 wf3d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4ac9 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf3f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1796 y4aa3 wf40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,292<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1797 y4aa3 wf41 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1798 y4aa3 w6af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1799 y4aa3 wf42 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179a y4aa3 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179b y4aa3 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">40,878</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-789": {
   "value": "Re<span class=\"_ _0\"></span>venue fr<span class=\"_ _0\"></span>om customers<span class=\"_ _3e0\"> </span>In 2023, the Gr<span class=\"_ _0\"></span>oup recognised GEL<span class=\"_ _0\"></span> 584,860 revenue f<span class=\"_ _0\"></span>rom contr<span class=\"_ _0\"></span>acts with customers in the income statement, including f<span class=\"_ _0\"></span>ee and commission as well as net o<span class=\"_ _0\"></span>ther income (2022: GEL<span class=\"_ _0\"></span> 481,375, 2021: GEL 341,873).<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-810": {
   "value": "Re<span class=\"_ _0\"></span>venue fr<span class=\"_ _0\"></span>om customers<span class=\"_ _3e0\"> </span>In 2023, the Gr<span class=\"_ _0\"></span>oup recognised GEL<span class=\"_ _0\"></span> 584,860 revenue f<span class=\"_ _0\"></span>rom contr<span class=\"_ _0\"></span>acts with customers in the income statement, including f<span class=\"_ _0\"></span>ee and commission as well as net o<span class=\"_ _0\"></span>ther income (2022: GEL<span class=\"_ _0\"></span> 481,375, 2021: GEL 341,873).<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-743": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs57f\">26.  Salaries and other emplo<span class=\"_ _0\"></span>yee bene<span class=\"_ _0\"></span>fits, and general  </div><div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs580\">and administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs581\">Salaries and other emplo<span class=\"_ _0\"></span>yee benefits<span class=\"_ _3e0\"> </span></div><div class=\"gs582\"><table class=\"s wf43 h14c\" id=\"_6bc6adf7-7b2b-464f-8612-6d144a70f54c\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Salaries and bonuses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179c y4b44 w88e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(405,<span class=\"_ _0\"></span>764)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x927 y4b44 wf45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(350,758)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179d y4b44 wb67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(272,<span class=\"_ _0\"></span>148)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Social security costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4b45 wf47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,899)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179e y4b45 w2b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,818)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179f y4b45 wf48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>107)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Pension costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a0 y4adf w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,791)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a1 y4adf w715 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>43<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a2 y4adf w56b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,832)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Salaries and other emplo<span class=\"_ _0\"></span>yee benefits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4aa3 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>419<span class=\"_ _0\"></span>,454)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a2 y4aa3 w278 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(362,019)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a3 y4aa3 wf4b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(281,087)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs583\">In 2023, salaries and bonuses include GEL<span class=\"_ _0\"></span> 72<span class=\"_ _2\"></span>,055 of <span class=\"_ _0\"></span>the Equity Compensation Plan costs (2022: GEL<span class=\"_ _0\"></span> 82,025, 2021: GEL<span class=\"_ _0\"></span> 45,307), </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs584\">associated with the e<span class=\"_ _0\"></span>xisting share-based compensation scheme appr<span class=\"_ _0\"></span>oved by<span class=\"_ _0\"></span> the Group (Not<span class=\"_ _0\"></span>e 29).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs585\">The average number<span class=\"_ _0\"></span> of staff emplo<span class=\"_ _0\"></span>yed by<span class=\"_ _0\"></span> the Group f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>years ended 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and 31 December </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs586\">2021, comprised:<span class=\"_ _3e0\"> </span></div><div class=\"gs587\"><table class=\"s wf4c h14c\" id=\"_b461d143-470d-4823-89be-ba97ccab63bd\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">The Bank<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a4 y4b44 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,981<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a5 y4b44 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4b44 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,012<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BNB<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a6 y4b45 wf4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a7 y4b45 w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a8 y4b45 wf50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">540<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a9 y4adf wd67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,0<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17aa y4adf wf51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">1,0<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ab y4adf wc1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage total number<span class=\"_ _0\"></span> of staff emplo<span class=\"_ _0\"></span>yed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ac y4aa3 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ad y4aa3 wd0a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ae y4aa3 w989 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs588\">General and administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses </div><div class=\"gs589\"><table class=\"s wf53 h158\" id=\"_8cecd74c-b9fd-4697-afe3-4e35047b2c26\"><tr><td></td><td class=\"c n x8d8 y4e04 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4e04 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4e04 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e05 wf54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repairs and maint<span class=\"_ _0\"></span>enance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17af y4e05 wf55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,343)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b0 y4e05 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>7,<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>3<span class=\"_ _39\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b1 y4e05 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddb wf57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Marketing and adv<span class=\"_ _0\"></span>ertising<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b2 y4ddb wf58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(44,6<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b3 y4ddb wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b4 y4ddb wf5a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddc wf5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Legal and other pr<span class=\"_ _0\"></span>ofessional services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b5 y4ddc w9e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b6 y4ddc wf5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,396)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b7 y4ddc wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e06 wf5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4e06 w58d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,397)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4e06 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,539)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b9 y4e06 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,393)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c wf5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office supplies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4b4c wf60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4b4c wf61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,571)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4b4c wbdf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wf62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ba y4b3f wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,808)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bb y4b3f wf64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4b3f wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,440)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wf66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate ho<span class=\"_ _0\"></span>spitality and entertainment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b40 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,361)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bc y4b40 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>181)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bd y4b40 wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,022)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Occupancy and r<span class=\"_ _0\"></span>ent<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17be y4b41 wf68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bf y4b41 w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c0 y4b41 w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wf69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ravel expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c1 y4b42 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4b42 wd2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,387)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c2 y4b42 wf6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wf6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Personnel <span class=\"_ _0\"></span>training and recruitmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c3 y4b43 wf6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4b43 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,304)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c4 y4b43 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Security<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c6 y4b44 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c7 y4b44 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,461)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c8 y4b45 w580 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4b45 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,9<span class=\"_ _0\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c9 y4b45 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ca y4b46 wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,059)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4b46 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,433)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cb y4b46 wad4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>165)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">General and administr<span class=\"_ _0\"></span>ative expense<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cc y4aa3 wf70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(205,368)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cd y4aa3 wf71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(164,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ce y4aa3 wf72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _0\"></span>,524)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs58a\">Increase in e<span class=\"_ _0\"></span>xpenses related to legal and other<span class=\"_ _0\"></span> prof<span class=\"_ _0\"></span>essional services was partly attributable to <span class=\"_ _0\"></span>the transaction costs incurr<span class=\"_ _0\"></span>ed in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs58b\">relation t<span class=\"_ _0\"></span>o the acquisition of Ameriabank as <span class=\"_ _0\"></span>well as the consulting projects in IT<span class=\"_ _0\"></span> and several o<span class=\"_ _0\"></span>ther business areas (totalling GEL<span class=\"_ _0\"></span>  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs58c\">10.5 million).<span class=\"_ _3e0\"> </span></div>Auditor r<span class=\"_ _0\"></span>emuneration<span class=\"_ _3e0\"> </span>Auditor r<span class=\"_ _0\"></span>emuneration comprises:<span class=\"_ _3e0\"> </span><table class=\"s wdae h159\" id=\"_801742b5-5ea5-4cda-9d7f-be0bc45d41dc\"><tr><td></td><td class=\"c n x17cf y4e07 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4e07 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4e07 wc79 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 wf73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fees payable <span class=\"_ _0\"></span>for the audit o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s current <span class=\"_ _0\"></span>year <span class=\"_ _0\"></span>Annual Report<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d2 y4de8 wf74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">971<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d3 y4de8 wf75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d4 y4de8 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e08 ffb fs8 fc1 sc0 ls0 ws0\">Fees pay<span class=\"_ _0\"></span>able for other s<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>vices:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e09 wf76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Audit of the C<span class=\"_ _0\"></span>ompany\u2019<span class=\"_ _0\"></span>s subsidiaries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d5 y4e09 wf77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,048<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d6 y4e09 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d7 y4e09 wf78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d84 w9a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d8 y4d84 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d9 y4d84 wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17da y4d84 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,603<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0a ffb fs8 fc1 sc0 ls0 ws0\">Audit-r<span class=\"_ _0\"></span>elated assurance services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d wf79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Review<span class=\"_ _0\"></span> of the Company\u2019<span class=\"_ _d\"></span>s and subsidiaries\u2019 interim accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17db y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dc y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dd y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17de y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17df y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adc wf7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit-related f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e0 y4adc wf7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls41 ws6d\">571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e1 y4adc wf7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4adc w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0b ffb fs8 fc1 sc0 ls0 ws0\">Non-audit services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa1 wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e2 y4aa1 wa57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e3 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e4 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 wf7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal other services f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e5 y4aa2 w174 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e6 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e7 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e8 y4aa3 wf80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e9 y4aa3 wf81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ea y4aa3 wf82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,012<span class=\"_ _3e0\"> </span></div></td></tr></table>The figure<span class=\"_ _0\"></span>s shown in the above table r<span class=\"_ _0\"></span>elate to the f<span class=\"_ _0\"></span>ees of Ernst &amp; <span class=\"_ _0\"></span>Y<span class=\"_ _d\"></span>oung LLP (\u2018EY\u2019) and its associates. In 2023, fees paid to o<span class=\"_ _0\"></span>ther auditors not associated with EY<span class=\"_ _0\"></span> in respect of <span class=\"_ _0\"></span>the audit of the Par<span class=\"_ _0\"></span>ent and Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s subsidiaries were GEL<span class=\"_ _0\"></span> 1,031 (2022: GEL<span class=\"_ _0\"></span> 247<span class=\"_ _5\"></span>, 2021: GEL 273<span class=\"_ _0\"></span>), and in respect of other services of <span class=\"_ _0\"></span>the Group wer<span class=\"_ _0\"></span>e GEL 1,605 (2022: GEL<span class=\"_ _0\"></span> 579<span class=\"_ _0\"></span>, 2021: GEL<span class=\"_ _0\"></span> 823). In 2023 other non-audit assurance services ar<span class=\"_ _0\"></span>e related to <span class=\"_ _0\"></span>the acquisition of Ameriabank.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-790": {
   "value": "Salaries and other emplo<span class=\"_ _0\"></span>yee benefits<span class=\"_ _3e0\"> </span><table class=\"s wf43 h14c\" id=\"_6bc6adf7-7b2b-464f-8612-6d144a70f54c\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Salaries and bonuses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179c y4b44 w88e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(405,<span class=\"_ _0\"></span>764)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x927 y4b44 wf45 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(350,758)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179d y4b44 wb67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(272,<span class=\"_ _0\"></span>148)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf46 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Social security costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc8 y4b45 wf47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,899)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179e y4b45 w2b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,818)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179f y4b45 wf48 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>107)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Pension costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a0 y4adf w8ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,791)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a1 y4adf w715 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>43<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4a2 y4adf w56b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,832)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf4a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Salaries and other emplo<span class=\"_ _0\"></span>yee benefits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7b y4aa3 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>419<span class=\"_ _0\"></span>,454)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a2 y4aa3 w278 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(362,019)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a3 y4aa3 wf4b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(281,087)<span class=\"_ _3e0\"> </span></div></td></tr></table>In 2023, salaries and bonuses include GEL<span class=\"_ _0\"></span> 72<span class=\"_ _2\"></span>,055 of <span class=\"_ _0\"></span>the Equity Compensation Plan costs (2022: GEL<span class=\"_ _0\"></span> 82,025, 2021: GEL<span class=\"_ _0\"></span> 45,307), associated with the e<span class=\"_ _0\"></span>xisting share-based compensation scheme appr<span class=\"_ _0\"></span>oved by<span class=\"_ _0\"></span> the Group (Not<span class=\"_ _0\"></span>e 29).<span class=\"_ _3e0\"> </span>The average number<span class=\"_ _0\"></span> of staff emplo<span class=\"_ _0\"></span>yed by<span class=\"_ _0\"></span> the Group f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>years ended 31 December 20<span class=\"_ _0\"></span>23, 31 December 2022 and 31 December 2021, comprised:<span class=\"_ _3e0\"> </span><table class=\"s wf4c h14c\" id=\"_b461d143-470d-4823-89be-ba97ccab63bd\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">The Bank<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a4 y4b44 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,981<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a5 y4b44 w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4b44 w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,012<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BNB<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a6 y4b45 wf4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a7 y4b45 w92d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a8 y4b45 wf50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">540<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17a9 y4adf wd67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,0<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17aa y4adf wf51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">1,0<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ab y4adf wc1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,035<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf52 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage total number<span class=\"_ _0\"></span> of staff emplo<span class=\"_ _0\"></span>yed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ac y4aa3 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ad y4aa3 wd0a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ae y4aa3 w989 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,587<span class=\"_ _3e0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-822": {
   "value": "General and administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses <table class=\"s wf53 h158\" id=\"_8cecd74c-b9fd-4697-afe3-4e35047b2c26\"><tr><td></td><td class=\"c n x8d8 y4e04 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4e04 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4e04 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e05 wf54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repairs and maint<span class=\"_ _0\"></span>enance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17af y4e05 wf55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,343)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b0 y4e05 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>7,<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>3<span class=\"_ _39\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b1 y4e05 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddb wf57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Marketing and adv<span class=\"_ _0\"></span>ertising<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b2 y4ddb wf58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(44,6<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b3 y4ddb wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b4 y4ddb wf5a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddc wf5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Legal and other pr<span class=\"_ _0\"></span>ofessional services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b5 y4ddc w9e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b6 y4ddc wf5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,396)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b7 y4ddc wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e06 wf5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4e06 w58d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,397)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4e06 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,539)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b9 y4e06 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,393)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c wf5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office supplies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4b4c wf60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4b4c wf61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,571)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4b4c wbdf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wf62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ba y4b3f wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,808)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bb y4b3f wf64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4b3f wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,440)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wf66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate ho<span class=\"_ _0\"></span>spitality and entertainment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b40 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,361)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bc y4b40 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>181)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bd y4b40 wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,022)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Occupancy and r<span class=\"_ _0\"></span>ent<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17be y4b41 wf68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bf y4b41 w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c0 y4b41 w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wf69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ravel expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c1 y4b42 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4b42 wd2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,387)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c2 y4b42 wf6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wf6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Personnel <span class=\"_ _0\"></span>training and recruitmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c3 y4b43 wf6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4b43 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,304)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c4 y4b43 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Security<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c6 y4b44 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c7 y4b44 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,461)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c8 y4b45 w580 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4b45 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,9<span class=\"_ _0\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c9 y4b45 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ca y4b46 wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,059)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4b46 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,433)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cb y4b46 wad4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>165)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">General and administr<span class=\"_ _0\"></span>ative expense<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cc y4aa3 wf70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(205,368)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cd y4aa3 wf71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(164,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ce y4aa3 wf72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _0\"></span>,524)<span class=\"_ _3e0\"> </span></div></td></tr></table>Increase in e<span class=\"_ _0\"></span>xpenses related to legal and other<span class=\"_ _0\"></span> prof<span class=\"_ _0\"></span>essional services was partly attributable to <span class=\"_ _0\"></span>the transaction costs incurr<span class=\"_ _0\"></span>ed in relation t<span class=\"_ _0\"></span>o the acquisition of Ameriabank as <span class=\"_ _0\"></span>well as the consulting projects in IT<span class=\"_ _0\"></span> and several o<span class=\"_ _0\"></span>ther business areas (totalling GEL<span class=\"_ _0\"></span>  10.5 million).<span class=\"_ _3e0\"> </span>Auditor r<span class=\"_ _0\"></span>emuneration<span class=\"_ _3e0\"> </span>Auditor r<span class=\"_ _0\"></span>emuneration comprises:<span class=\"_ _3e0\"> </span><table class=\"s wdae h159\" id=\"_801742b5-5ea5-4cda-9d7f-be0bc45d41dc\"><tr><td></td><td class=\"c n x17cf y4e07 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4e07 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4e07 wc79 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 wf73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fees payable <span class=\"_ _0\"></span>for the audit o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s current <span class=\"_ _0\"></span>year <span class=\"_ _0\"></span>Annual Report<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d2 y4de8 wf74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">971<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d3 y4de8 wf75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d4 y4de8 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e08 ffb fs8 fc1 sc0 ls0 ws0\">Fees pay<span class=\"_ _0\"></span>able for other s<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>vices:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e09 wf76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Audit of the C<span class=\"_ _0\"></span>ompany\u2019<span class=\"_ _0\"></span>s subsidiaries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d5 y4e09 wf77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,048<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d6 y4e09 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d7 y4e09 wf78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d84 w9a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d8 y4d84 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d9 y4d84 wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17da y4d84 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,603<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0a ffb fs8 fc1 sc0 ls0 ws0\">Audit-r<span class=\"_ _0\"></span>elated assurance services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d wf79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Review<span class=\"_ _0\"></span> of the Company\u2019<span class=\"_ _d\"></span>s and subsidiaries\u2019 interim accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17db y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dc y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dd y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17de y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17df y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adc wf7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit-related f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e0 y4adc wf7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls41 ws6d\">571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e1 y4adc wf7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4adc w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0b ffb fs8 fc1 sc0 ls0 ws0\">Non-audit services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa1 wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e2 y4aa1 wa57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e3 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e4 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 wf7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal other services f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e5 y4aa2 w174 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e6 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e7 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e8 y4aa3 wf80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e9 y4aa3 wf81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ea y4aa3 wf82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,012<span class=\"_ _3e0\"> </span></div></td></tr></table>The figure<span class=\"_ _0\"></span>s shown in the above table r<span class=\"_ _0\"></span>elate to the f<span class=\"_ _0\"></span>ees of Ernst &amp; <span class=\"_ _0\"></span>Y<span class=\"_ _d\"></span>oung LLP (\u2018EY\u2019) and its associates. In 2023, fees paid to o<span class=\"_ _0\"></span>ther auditors not associated with EY<span class=\"_ _0\"></span> in respect of <span class=\"_ _0\"></span>the audit of the Par<span class=\"_ _0\"></span>ent and Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s subsidiaries were GEL<span class=\"_ _0\"></span> 1,031 (2022: GEL<span class=\"_ _0\"></span> 247<span class=\"_ _5\"></span>, 2021: GEL 273<span class=\"_ _0\"></span>), and in respect of other services of <span class=\"_ _0\"></span>the Group wer<span class=\"_ _0\"></span>e GEL 1,605 (2022: GEL<span class=\"_ _0\"></span> 579<span class=\"_ _0\"></span>, 2021: GEL<span class=\"_ _0\"></span> 823). In 2023 other non-audit assurance services ar<span class=\"_ _0\"></span>e related to <span class=\"_ _0\"></span>the acquisition of Ameriabank.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-811": {
   "value": "General and administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses <table class=\"s wf53 h158\" id=\"_8cecd74c-b9fd-4697-afe3-4e35047b2c26\"><tr><td></td><td class=\"c n x8d8 y4e04 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4e04 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4e04 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e05 wf54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repairs and maint<span class=\"_ _0\"></span>enance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17af y4e05 wf55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,343)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b0 y4e05 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>7,<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>3<span class=\"_ _39\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b1 y4e05 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddb wf57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Marketing and adv<span class=\"_ _0\"></span>ertising<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b2 y4ddb wf58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(44,6<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b3 y4ddb wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b4 y4ddb wf5a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddc wf5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Legal and other pr<span class=\"_ _0\"></span>ofessional services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b5 y4ddc w9e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b6 y4ddc wf5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,396)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b7 y4ddc wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e06 wf5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4e06 w58d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,397)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4e06 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,539)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b9 y4e06 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,393)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c wf5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office supplies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4b4c wf60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4b4c wf61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,571)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4b4c wbdf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wf62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ba y4b3f wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,808)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bb y4b3f wf64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4b3f wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,440)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wf66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate ho<span class=\"_ _0\"></span>spitality and entertainment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b40 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,361)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bc y4b40 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>181)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bd y4b40 wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,022)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Occupancy and r<span class=\"_ _0\"></span>ent<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17be y4b41 wf68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bf y4b41 w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c0 y4b41 w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wf69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ravel expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c1 y4b42 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4b42 wd2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,387)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c2 y4b42 wf6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wf6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Personnel <span class=\"_ _0\"></span>training and recruitmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c3 y4b43 wf6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4b43 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,304)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c4 y4b43 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Security<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c6 y4b44 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c7 y4b44 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,461)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c8 y4b45 w580 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4b45 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,9<span class=\"_ _0\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c9 y4b45 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ca y4b46 wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,059)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4b46 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,433)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cb y4b46 wad4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>165)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">General and administr<span class=\"_ _0\"></span>ative expense<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cc y4aa3 wf70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(205,368)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cd y4aa3 wf71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(164,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ce y4aa3 wf72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _0\"></span>,524)<span class=\"_ _3e0\"> </span></div></td></tr></table>Increase in e<span class=\"_ _0\"></span>xpenses related to legal and other<span class=\"_ _0\"></span> prof<span class=\"_ _0\"></span>essional services was partly attributable to <span class=\"_ _0\"></span>the transaction costs incurr<span class=\"_ _0\"></span>ed in relation t<span class=\"_ _0\"></span>o the acquisition of Ameriabank as <span class=\"_ _0\"></span>well as the consulting projects in IT<span class=\"_ _0\"></span> and several o<span class=\"_ _0\"></span>ther business areas (totalling GEL<span class=\"_ _0\"></span>  10.5 million).<span class=\"_ _3e0\"> </span><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs58e\">Auditor r<span class=\"_ _0\"></span>emuneration<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs58f\">Auditor r<span class=\"_ _0\"></span>emuneration comprises:<span class=\"_ _3e0\"> </span></div><div class=\"gs590\"><table class=\"s wdae h159\" id=\"_801742b5-5ea5-4cda-9d7f-be0bc45d41dc\"><tr><td></td><td class=\"c n x17cf y4e07 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4e07 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4e07 wc79 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 wf73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fees payable <span class=\"_ _0\"></span>for the audit o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s current <span class=\"_ _0\"></span>year <span class=\"_ _0\"></span>Annual Report<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d2 y4de8 wf74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">971<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d3 y4de8 wf75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d4 y4de8 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e08 ffb fs8 fc1 sc0 ls0 ws0\">Fees pay<span class=\"_ _0\"></span>able for other s<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>vices:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e09 wf76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Audit of the C<span class=\"_ _0\"></span>ompany\u2019<span class=\"_ _0\"></span>s subsidiaries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d5 y4e09 wf77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,048<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d6 y4e09 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d7 y4e09 wf78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d84 w9a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d8 y4d84 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d9 y4d84 wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17da y4d84 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,603<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0a ffb fs8 fc1 sc0 ls0 ws0\">Audit-r<span class=\"_ _0\"></span>elated assurance services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d wf79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Review<span class=\"_ _0\"></span> of the Company\u2019<span class=\"_ _d\"></span>s and subsidiaries\u2019 interim accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17db y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dc y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dd y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17de y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17df y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adc wf7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit-related f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e0 y4adc wf7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls41 ws6d\">571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e1 y4adc wf7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4adc w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0b ffb fs8 fc1 sc0 ls0 ws0\">Non-audit services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa1 wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e2 y4aa1 wa57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e3 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e4 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 wf7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal other services f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e5 y4aa2 w174 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e6 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e7 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e8 y4aa3 wf80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e9 y4aa3 wf81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ea y4aa3 wf82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,012<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs591\">The figure<span class=\"_ _0\"></span>s shown in the above table r<span class=\"_ _0\"></span>elate to the f<span class=\"_ _0\"></span>ees of Ernst &amp; <span class=\"_ _0\"></span>Y<span class=\"_ _d\"></span>oung LLP (\u2018EY\u2019) and its associates. In 2023, fees paid to o<span class=\"_ _0\"></span>ther </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs592\">auditors not associated with EY<span class=\"_ _0\"></span> in respect of <span class=\"_ _0\"></span>the audit of the Par<span class=\"_ _0\"></span>ent and Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s subsidiaries were GEL<span class=\"_ _0\"></span> 1,031 (2022: GEL<span class=\"_ _0\"></span> 247<span class=\"_ _5\"></span>, 2021: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs593\">GEL 273<span class=\"_ _0\"></span>), and in respect of other services of <span class=\"_ _0\"></span>the Group wer<span class=\"_ _0\"></span>e GEL 1,605 (2022: GEL<span class=\"_ _0\"></span> 579<span class=\"_ _0\"></span>, 2021: GEL<span class=\"_ _0\"></span> 823). In 2023 other non-audit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs594\">assurance services ar<span class=\"_ _0\"></span>e related to <span class=\"_ _0\"></span>the acquisition of Ameriabank.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-791": {
   "value": "General and administr<span class=\"_ _0\"></span>ative e<span class=\"_ _0\"></span>xpenses <table class=\"s wf53 h158\" id=\"_8cecd74c-b9fd-4697-afe3-4e35047b2c26\"><tr><td></td><td class=\"c n x8d8 y4e04 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4e04 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4e04 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e05 wf54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Repairs and maint<span class=\"_ _0\"></span>enance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17af y4e05 wf55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(56,343)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b0 y4e05 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>7,<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>3<span class=\"_ _39\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b1 y4e05 waed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(40<span class=\"_ _0\"></span>,257)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddb wf57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Marketing and adv<span class=\"_ _0\"></span>ertising<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b2 y4ddb wf58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(44,6<span class=\"_ _2\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b3 y4ddb wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,316)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b4 y4ddb wf5a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(23,26<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ddc wf5b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Legal and other pr<span class=\"_ _0\"></span>ofessional services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b5 y4ddc w9e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,551)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b6 y4ddc wf5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(17<span class=\"_ _d\"></span>,396)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b7 y4ddc wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(14,682)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e06 wf5d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Operating tax<span class=\"_ _0\"></span>es<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14ad y4e06 w58d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,397)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4e06 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,539)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b9 y4e06 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,393)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4c wf5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Office supplies<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaeb y4b4c wf60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,<span class=\"_ _0\"></span>097)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf26 y4b4c wf61 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,571)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd1 y4b4c wbdf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,562)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wf62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Communication<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ba y4b3f wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,808)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bb y4b3f wf64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">(<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbce y4b3f wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,440)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wf66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Corporate ho<span class=\"_ _0\"></span>spitality and entertainment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1542 y4b40 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,361)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bc y4b40 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>181)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bd y4b40 wa45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,022)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf67 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Occupancy and r<span class=\"_ _0\"></span>ent<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17be y4b41 wf68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17bf y4b41 w724 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>6,257)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c0 y4b41 w8bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,890)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 wf69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>ravel expenses<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c1 y4b42 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,093)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102f y4b42 wd2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,387)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c2 y4b42 wf6a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,808)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wf6b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Personnel <span class=\"_ _0\"></span>training and recruitmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c3 y4b43 wf6c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>956)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4b43 w916 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,304)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c4 y4b43 w598 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,895)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Security<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,369)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c6 y4b44 w6ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c7 y4b44 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,461)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Insurance<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c8 y4b45 w580 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,553)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1271 y4b45 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,9<span class=\"_ _0\"></span>45)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c9 y4b45 w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ca y4b46 wf65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,059)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf1b y4b46 w715 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,433)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cb y4b46 wad4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>165)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf6f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">General and administr<span class=\"_ _0\"></span>ative expense<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cc y4aa3 wf70 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(205,368)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17cd y4aa3 wf71 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(164,450)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ce y4aa3 wf72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _0\"></span>,524)<span class=\"_ _3e0\"> </span></div></td></tr></table>Increase in e<span class=\"_ _0\"></span>xpenses related to legal and other<span class=\"_ _0\"></span> prof<span class=\"_ _0\"></span>essional services was partly attributable to <span class=\"_ _0\"></span>the transaction costs incurr<span class=\"_ _0\"></span>ed in relation t<span class=\"_ _0\"></span>o the acquisition of Ameriabank as <span class=\"_ _0\"></span>well as the consulting projects in IT<span class=\"_ _0\"></span> and several o<span class=\"_ _0\"></span>ther business areas (totalling GEL<span class=\"_ _0\"></span>  10.5 million).<span class=\"_ _3e0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-792": {
   "value": "Auditor r<span class=\"_ _0\"></span>emuneration<span class=\"_ _3e0\"> </span>Auditor r<span class=\"_ _0\"></span>emuneration comprises:<span class=\"_ _3e0\"> </span><table class=\"s wdae h159\" id=\"_801742b5-5ea5-4cda-9d7f-be0bc45d41dc\"><tr><td></td><td class=\"c n x17cf y4e07 w14a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4e07 w24 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4e07 wc79 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 wf73 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Fees payable <span class=\"_ _0\"></span>for the audit o<span class=\"_ _0\"></span>f the Company\u2019<span class=\"_ _0\"></span>s current <span class=\"_ _0\"></span>year <span class=\"_ _0\"></span>Annual Report<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d2 y4de8 wf74 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">971<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d3 y4de8 wf75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">7<span class=\"_ _2\"></span>70<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d4 y4de8 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">635<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e08 ffb fs8 fc1 sc0 ls0 ws0\">Fees pay<span class=\"_ _0\"></span>able for other s<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>vices:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e09 wf76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Audit of the C<span class=\"_ _0\"></span>ompany\u2019<span class=\"_ _0\"></span>s subsidiaries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d5 y4e09 wf77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,048<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d6 y4e09 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d7 y4e09 wf78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d84 w9a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d8 y4d84 wc4e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d9 y4d84 wb2d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17da y4d84 w428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,603<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0a ffb fs8 fc1 sc0 ls0 ws0\">Audit-r<span class=\"_ _0\"></span>elated assurance services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d wf79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Review<span class=\"_ _0\"></span> of the Company\u2019<span class=\"_ _d\"></span>s and subsidiaries\u2019 interim accounts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17db y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">539<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dc y4a9d w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaa7 y4a9d w25e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">366<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17dd y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17de y4a9e w91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17df y4a9e w99f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adc wf7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal audit-related f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e0 y4adc wf7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls41 ws6d\">571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e1 y4adc wf7d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x154a y4adc w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e0b ffb fs8 fc1 sc0 ls0 ws0\">Non-audit services:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa1 wf7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assuranc<span class=\"_ _0\"></span>e services<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e2 y4aa1 wa57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e3 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e4 y4aa1 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 wf7e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal other services f<span class=\"_ _0\"></span>ees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e5 y4aa2 w174 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e6 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e7 y4aa2 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">T<span class=\"_ _d\"></span>otal fees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e8 y4aa3 wf80 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,210<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17e9 y4aa3 wf81 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ea y4aa3 wf82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,012<span class=\"_ _3e0\"> </span></div></td></tr></table>The figure<span class=\"_ _0\"></span>s shown in the above table r<span class=\"_ _0\"></span>elate to the f<span class=\"_ _0\"></span>ees of Ernst &amp; <span class=\"_ _0\"></span>Y<span class=\"_ _d\"></span>oung LLP (\u2018EY\u2019) and its associates. In 2023, fees paid to o<span class=\"_ _0\"></span>ther auditors not associated with EY<span class=\"_ _0\"></span> in respect of <span class=\"_ _0\"></span>the audit of the Par<span class=\"_ _0\"></span>ent and Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s subsidiaries were GEL<span class=\"_ _0\"></span> 1,031 (2022: GEL<span class=\"_ _0\"></span> 247<span class=\"_ _5\"></span>, 2021: GEL 273<span class=\"_ _0\"></span>), and in respect of other services of <span class=\"_ _0\"></span>the Group wer<span class=\"_ _0\"></span>e GEL 1,605 (2022: GEL<span class=\"_ _0\"></span> 579<span class=\"_ _0\"></span>, 2021: GEL<span class=\"_ _0\"></span> 823). In 2023 other non-audit assurance services ar<span class=\"_ _0\"></span>e related to <span class=\"_ _0\"></span>the acquisition of Ameriabank",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-744": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs596\">27<span class=\"_ _5\"></span>.  Cost of risk<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs597\">The table below sho<span class=\"_ _0\"></span>ws ECL char<span class=\"_ _0\"></span>ges on financial instruments and pro<span class=\"_ _0\"></span>vision for guar<span class=\"_ _0\"></span>antees f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear recor<span class=\"_ _0\"></span>ded in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs598\">income<span class=\"_ gs7d\"> </span>statement:<span class=\"_ _3e0\"> </span></div><div class=\"gs599\"><table class=\"s w8b4 h15a\" id=\"_049afe69-7fbc-4097-bd9c-31c246840e1d\"><tr><td></td><td></td><td class=\"c n x17eb y4e0c w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ec y4e0c w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ed y4e0c w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c n x17ee y4e0d wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ef y4e0d wf83 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f0 y4e0d wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f1 y4e0d wf84 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f2 y4e0d wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f3 y4e0d wf84 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f4 y4e0d w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f5 y4e0d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e0e w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f6 y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f7 y4e0e wcf1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f8 y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f9 y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fa y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fb y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fc y4e0e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fd y4e0e wb2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(182)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e0f w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fe y4e0f wf85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1425 y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ff y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1800 y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1801 y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1802 y4e0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1803 y4e0f wa57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e10 wf86 hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1804 y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1805 y4e10 wdc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1806 y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1807 y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1808 y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1809 y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180a y4e10 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180b y4e10 wf87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,284<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e11 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b4c wf88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180c y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180d y4b4c wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>937)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180e y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180f y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1810 y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1811 y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1812 y4b4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1813 y4b4c wefe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>937)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3f wf89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1814 y4b3f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1815 y4b3f wf8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1816 y4b3f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1817 y4b3f w8f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(8,060<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1818 y4b3f wf8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1819 y4b3f wf8c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>119)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181a y4b3f wf8d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,727)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181b y4b3f wf8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>124,298)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 wf8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181c y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181d y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181e y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1215 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x181f y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1820 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1821 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc3 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1822 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1823 y4b41 wcee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(1<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>6)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1824 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1825 y4b41 w90c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1826 y4b41 w5ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(92)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1827 y4b41 wa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,232)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1828 y4b41 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1829 y4b41 w685 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,762<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x388 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182a y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182b y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182c y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182d y4b42 wf91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(81)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182e y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182f y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1830 y4b42 wf91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(81)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f wf92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1831 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1832 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1833 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1834 y4c0f w80b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,854)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1835 y4c0f w3be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls91 wscc\">(1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1821 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x763 y4c0f w80c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,855)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1836 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1837 y4b44 w3ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1838 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1839 y4b44 w9f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183a y4b44 wdc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183b y4b44 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183c y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183d y4b44 wf94 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">311<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letter o<span class=\"_ _0\"></span>f credit to customer<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183e y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183f y4b45 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1840 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1841 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1842 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1843 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1844 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1845 y4b45 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial commitments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x30e y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1846 y4adf wf97 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3db y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1847 y4adf w52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1848 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1849 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184a y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184b y4adf wf98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wf99 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">For the <span class=\"_ _0\"></span>year ended 31 December<span class=\"_ _0\"></span> 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184c y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184d y4aa3 wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184e y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf80 y4aa3 wf9b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(8,<span class=\"_ _d\"></span>170)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x184f y4aa3 wf9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>49)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1850 y4aa3 wf9d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(132,347)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1851 y4aa3 wf9e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2,898)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1852 y4aa3 wf9f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(124<span class=\"_ _2\"></span>,511)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs59a\"><table class=\"s wfa0 h15b\" id=\"_de970f9a-9ba6-43a0-8f4d-5902d2d90b34\"><tr><td></td><td></td><td class=\"c n x17eb y4e12 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ec y4e12 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ed y4e12 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c n x17ee y4e13 wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17ef y4e13 wf83 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f0 y4e13 wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f1 y4e13 wf84 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f2 y4e13 wb40 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Individual<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f3 y4e13 wf84 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f4 y4e13 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f5 y4e13 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e14 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f6 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1853 y4e14 wfa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>33<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1854 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1855 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1856 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1857 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1858 y4e14 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1859 y4e14 w281 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>33<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e15 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17fe y4e15 wfa2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _d\"></span>179)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185a y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185b y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185c y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185d y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185e y4e15 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x185f y4e15 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,<span class=\"_ _0\"></span>179)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e16 wf86 hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1804 y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1860 y4e16 wfa3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,387)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1861 y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x31a y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1862 y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1863 y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1864 y4e16 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1865 y4e16 wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,387)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e17 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e18 wf88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180c y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1866 y4e18 wb0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,896<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1867 y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1868 y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1869 y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186a y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186b y4e18 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x411 y4e18 wfa5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,896<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e19 wf89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1814 y4e19 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186c y4e19 wfa6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186d y4e19 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186e y4e19 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,433)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186f y4e19 w6ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,<span class=\"_ _0\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1870 y4e19 wfa7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(177<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>169)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1871 y4e19 wfa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(10,598)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1872 y4e19 w115 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(128,678)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1a wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1822 y4e1a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1873 y4e1a wfa9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1874 y4e1a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1875 y4e1a wfaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1876 y4e1a w951 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">784<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1877 y4e1a wfab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,886<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1878 y4e1a wfac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,885)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1879 y4e1a wd4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,208)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1b w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x388 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182a y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182b y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182c y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187a y4e1b w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(255)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187b y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187c y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187d y4e1b w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(255)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1c wf92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1831 y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187e y4e1c wfad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,205)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x187f y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf9 y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1880 y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1881 y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1882 y4e1c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1634 y4e1c wfad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,205)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1d wf93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1836 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1883 y4e1d wfae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(437)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1884 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1885 y4e1d w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb02 y4e1d w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1886 y4e1d w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1887 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x177d y4e1d w77c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(397)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1e wf95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letter o<span class=\"_ _0\"></span>f credit to customer<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183e y4e1e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1888 y4e1e w99d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">(33)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1840 y4e1e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1841 y4e1e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1889 y4e1e w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188a y4e1e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188b y4e1e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188c y4e1e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1f wf96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial commitments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x30e y4e1f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188d y4e1f wfaf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188e y4e1f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x188f y4e1f wfb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1890 y4e1f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1891 y4e1f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3e8 y4e1f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1892 y4e1f w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfb1 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">For the <span class=\"_ _0\"></span>year ended 31 December<span class=\"_ _0\"></span> 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1893 y4aa3 w18a h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1894 y4aa3 wfb2 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">5,288<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1895 y4aa3 w17d h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1896 y4aa3 wfb3 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls5e ws8e\">(14,<span class=\"_ _2\"></span>64<span class=\"_ _2\"></span>8)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1897 y4aa3 wb1 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">53,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1898 y4aa3 wfb4 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(179<span class=\"_ _0\"></span>,053)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1899 y4aa3 wfb5 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(13,4<span class=\"_ _2\"></span>83)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189a y4aa3 w937 h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(148,075)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wfb6 h15c\" id=\"_62bbc737-28cd-4f6d-896a-260fedbb55d6\"><tr><td></td><td></td><td class=\"c n x17eb y4e20 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ec y4e20 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x17ed y4e20 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c n x17ee y4e21 wb40 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Individual</div></td><td class=\"c n x17ef y4e21 wf83 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Collective</div></td><td class=\"c n x17f0 y4e21 wb40 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Individual</div></td><td class=\"c n x17f1 y4e21 wf84 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Collective</div></td><td class=\"c n x17f2 y4e21 wb40 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Individual</div></td><td class=\"c n x17f3 y4e21 wf84 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Collective<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f4 y4e21 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f5 y4e21 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e0f w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f6 y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189b y4e0f w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1874 y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189c y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189d y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189e y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x397 y4e0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189f y4e0f wfb7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e22 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15ec y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a0 y4e22 w4c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x393 y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a1 y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a2 y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a3 y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a4 y4e22 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a5 y4e22 w75c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e23 wf86 hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1804 y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a6 y4e23 wfb8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a7 y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a8 y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18aa y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ab y4e23 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ac y4e23 w8a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e24 ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at FVOCI \u2013 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b3f wf88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x180c y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x180d y4b3f w591 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ad y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ae y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18af y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18b0 y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18b1 y4b3f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18b2 y4b3f w591 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,090<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 wf89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1814 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18b3 y4b40 wfb9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,059<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18b4 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18b5 y4b40 w60c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901</div></td><td class=\"c n x18b6 y4b40 w7c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,632</div></td><td class=\"c n x18b7 y4b40 wfba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(31,291)</div></td><td class=\"c n x18b8 y4b40 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,635)</div></td><td class=\"c n x18b9 y4b40 w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,452)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1822 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1823 y4b41 waf4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(513)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ba y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18bb y4b41 w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(204)</div></td><td class=\"c n x18bc y4b41 w865 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(264)</div></td><td class=\"c n x18bd y4b41 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,774)</div></td><td class=\"c n x18be y4b41 wfbb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>195)</div></td><td class=\"c n x73f y4b41 wfbc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>5<span class=\"_ _39\"></span>0)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18bf y4b42 wfbd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c0 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c1 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c2 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c3 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c4 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c6 y4b42 wc20 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(117)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 wf92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1831 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18c7 y4b43 w49c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,621)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1816 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c8 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18c9 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ca y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n xfab y4b43 wc5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,621)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wf93 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1836 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18cb y4b44 w85c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,599<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3db y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18cc y4b44 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53</div></td><td class=\"c n x18cd y4b44 wfbe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ce y4b44 wa97 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18cf y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18d0 y4b44 wfbf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,378<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wf95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Letter o<span class=\"_ _0\"></span>f credit to customer<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x183e y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18d1 y4b45 wca0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,543<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18b4 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d2 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d3 y4b45 wa19 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d4 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d5 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18d6 y4b45 wfc0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Other financial commitments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x30e y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18d7 y4b46 wd4c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _d\"></span>136)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d8 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d9 y4b46 w426 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _39\"></span>43)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ec y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18d4 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18da y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18db y4b46 wb95 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,579<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfc1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">For the <span class=\"_ _0\"></span>year ended 31 December<span class=\"_ _0\"></span> 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18dc y4aa3 wfc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(117)</div></td><td class=\"c n x18dd y4aa3 wfc3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,780<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18de y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013</div></td><td class=\"c n x18df y4aa3 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,307</div></td><td class=\"c n x18e0 y4aa3 w427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,429</div></td><td class=\"c n x18e1 y4aa3 wfc4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(34,072)</div></td><td class=\"c n x18e2 y4aa3 wfc5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,830)</div></td><td class=\"c n xcfa y4aa3 w12b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,497<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs59c\">In addition, in 2023 the ECL<span class=\"_ _0\"></span> charge includes GEL<span class=\"_ _0\"></span> 500 (2022: GEL 16,<span class=\"_ _d\"></span>105) cost incurr<span class=\"_ _0\"></span>ed by <span class=\"_ _0\"></span>the Group thr<span class=\"_ _0\"></span>ough synthetic agreement </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs59d\">to acceler<span class=\"_ _0\"></span>ate the reco<span class=\"_ _0\"></span>ver<span class=\"_ _2\"></span>y pr<span class=\"_ _0\"></span>ocess related <span class=\"_ _0\"></span>to one of its defaulted borr<span class=\"_ _0\"></span>owers. Such cost is no<span class=\"_ _0\"></span>t reflected in the ECL<span class=\"_ _0\"></span> movement, but </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs59e\">recor<span class=\"_ _0\"></span>ded directly<span class=\"_ _0\"></span> through consolidated inc<span class=\"_ _0\"></span>ome statement.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs59f\">Impairment charge on o<span class=\"_ _0\"></span>ther assets and provisions c<span class=\"_ _0\"></span>omprise:<span class=\"_ _3e0\"> </span></div><div class=\"gs5a0\"><table class=\"s web5 h14c\" id=\"_a79ff3cf-da01-4420-9472-e50ffdc44612\"><tr><td></td><td class=\"c n x17cf y4dd9 w14a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4dd9 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4dd9 wc79 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wfc6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Litigation provision r<span class=\"_ _0\"></span>eversal/(<span class=\"_ _d\"></span>charge<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18e3 y4b44 wfc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>6)</div></td><td class=\"c n x18e4 y4b44 wfc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,645</div></td><td class=\"c n x18e5 y4b44 w758 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(35,584)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wfc9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Impairment (<span class=\"_ _0\"></span>charge<span class=\"_ _0\"></span>)/<span class=\"_ _d\"></span>reversal on assets held <span class=\"_ _0\"></span>for sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18e6 y4b45 wf2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,550)</div></td><td class=\"c n x18e7 y4b45 wfca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,296<span class=\"_ _0\"></span>)</div></td><td class=\"c n x18e8 y4b45 wd31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,805)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wfcb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other impairment char<span class=\"_ _0\"></span>ge<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18e9 y4b46 wc5a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,057)</div></td><td class=\"c n x18ea y4b46 w4c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(13,342)</div></td><td class=\"c n x18eb y4b46 wfcc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,520)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfcd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Impairment charge on other<span class=\"_ _0\"></span> assets and provisions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ec y4aa3 wfce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(19,55<span class=\"_ _0\"></span>3)</div></td><td class=\"c n x18ed y4aa3 w776 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">29,<span class=\"_ _0\"></span>007</div></td><td class=\"c n x18ee y4aa3 wfcf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>909)</div></td></tr></table></div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfCostOfRisk",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-745": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs5a2\">28.  Net other gains/(los<span class=\"_ _0\"></span>ses)<span class=\"_ _3e0\"> </span></div><div class=\"gs56d\"><table class=\"s wfd0 h15d\" id=\"_ab1bb6d5-e445-42dd-860b-03f6a90ff9f6\"><tr><td></td><td class=\"c n x17cf y4e25 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d0 y4e25 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17d1 y4e25 wc79 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e26 wfd1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net real estat<span class=\"_ _0\"></span>e gains/(losses)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ef y4e26 wcbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f0 y4e26 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,498<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff2 y4e26 w156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4c0f wfd2 hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Net gains/(losses) on der<span class=\"_ _0\"></span>ecognition of financial assets measur<span class=\"_ _0\"></span>ed at fair<span class=\"_ _0\"></span> value through<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">other compr<span class=\"_ _0\"></span>ehensive income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f1 y4c0f wfd3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f2 y4c0f wfd4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>921<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12cb y4c0f wfd5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">30,04<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 wfd6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net gains/(losses) on financial asse<span class=\"_ _0\"></span>ts at fair <span class=\"_ _0\"></span>value through pr<span class=\"_ _0\"></span>ofit or loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f3 y4b44 w2b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa2 wsed\">(6<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f4 y4b44 w72d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,710<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f5 y4b44 wfd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">760<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 wfd8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net gains/(losses) f<span class=\"_ _0\"></span>rom re<span class=\"_ _0\"></span>valuation of investmen<span class=\"_ _0\"></span>t property<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f6 y4b45 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f7 y4b45 we3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>421<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f8 y4b45 wfd9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf web hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Net other gains/(losses<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18f9 y4adf wfda hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,687<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18fa y4adf w217 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,679<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18fb y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,651<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfdb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net other gains/(losses<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18fc y4aa3 w398 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">114,<span class=\"_ _0\"></span>171<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18fd y4aa3 wfdc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18fe y4aa3 wd35 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,098<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a3\">During 2021-<span class=\"_ _0\"></span>2023, the Group r<span class=\"_ _0\"></span>epossessed significant mov<span class=\"_ _0\"></span>able and immovable assets fr<span class=\"_ _0\"></span>om its defaulted gr<span class=\"_ _0\"></span>oup of borro<span class=\"_ _0\"></span>wers via </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a4\">public auction as a result of bankrup<span class=\"_ _0\"></span>tcy proc<span class=\"_ _0\"></span>eedings of the borro<span class=\"_ _0\"></span>wer at a deep discount. The pr<span class=\"_ _0\"></span>operties were classified as For<span class=\"_ _0\"></span>eclosed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a5\">Assets and measured at <span class=\"_ _0\"></span>the lower of cost and ne<span class=\"_ _0\"></span>t realisable value. <span class=\"_ _0\"></span>The Group managed t<span class=\"_ _0\"></span>o realise large pr<span class=\"_ _0\"></span>operties at then current </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a6\">market pric<span class=\"_ _0\"></span>es in 2023 and recor<span class=\"_ _0\"></span>ded the respective r<span class=\"_ _0\"></span>eal estate gain in an amount of GEL<span class=\"_ _0\"></span> 81,327 in its consolidated financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5a7\">statements.</div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfNetOtherGainsLosses",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-746": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs5a9\">29<span class=\"_ _d\"></span>.  Share-based payments<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs5aa\">Ex<span class=\"_ _0\"></span>ecutives\u2019 Equity<span class=\"_ _0\"></span> Compensation Plan (EECP) and Emplo<span class=\"_ _0\"></span>yees<span class=\"_ _0\"></span>\u2019 Equity C<span class=\"_ _0\"></span>ompensation Plan<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs5ab\">In 2015, the Group se<span class=\"_ _0\"></span>t up the Executive Equity<span class=\"_ _0\"></span> Compensation T<span class=\"_ _d\"></span>rustee \u2013 Sanne Fiduciary Services Limited (the \u2018T<span class=\"_ _0\"></span>rustee\u2019) <span class=\"_ _0\"></span>which acts as<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs5ac\">the trustee of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s EE<span class=\"_ _0\"></span>CP<span class=\"_ _d\"></span>. In 2023, the <span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>rustee has repur<span class=\"_ _0\"></span>chased 585,864 shares (2022: 695,<span class=\"_ _0\"></span>750 shares, 2021: 699<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>998 shares).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ad\">In 2019<span class=\"_ _0\"></span>, the Group se<span class=\"_ _0\"></span>t up the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Employee Equity C<span class=\"_ _0\"></span>ompensation T<span class=\"_ _d\"></span>rustee \u2013 Sanne Fiduciary Services Limited (the \u2018<span class=\"_ _2\"></span>T<span class=\"_ _d\"></span>rustee\u2019) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ae\">which acts as the trustee of Emplo<span class=\"_ _0\"></span>yees\u2019 Equity<span class=\"_ _0\"></span> Compensation Plan. In 2023, the T<span class=\"_ _d\"></span>rustee has r<span class=\"_ _0\"></span>epurchased 172,<span class=\"_ _0\"></span>951 shares (2022: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5af\">319<span class=\"_ _0\"></span>,231 shares, 2021: 485,820 shar<span class=\"_ _0\"></span>es).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws9 gs5b0\">Share-based payment tr<span class=\"_ _0\"></span>ansactions fixed in monetary terms<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b1\">In 2022, the Group intr<span class=\"_ _0\"></span>oduced the new r<span class=\"_ _0\"></span>emuneration policy<span class=\"_ _0\"></span> for <span class=\"_ _0\"></span>the Management Board and K<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> Material Risk T<span class=\"_ _d\"></span>aker<span class=\"_ _0\"></span> (MRT) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b2\">employees. Under<span class=\"_ _0\"></span> the new policy<span class=\"_ _d\"></span>, part of the fixed c<span class=\"_ _0\"></span>omponent of the r<span class=\"_ _0\"></span>emuneration is fixed in mone<span class=\"_ _0\"></span>tar<span class=\"_ _2\"></span>y terms at <span class=\"_ _0\"></span>the date of the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b3\">contr<span class=\"_ _0\"></span>act and shall be paid by awar<span class=\"_ _0\"></span>d of the number of<span class=\"_ _0\"></span> shares equivalent to <span class=\"_ _0\"></span>the fixed monetary <span class=\"_ _0\"></span>value as at the date of the awar<span class=\"_ _0\"></span>d. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b4\">Such awards <span class=\"_ _0\"></span>vest immediately f<span class=\"_ _0\"></span>ollowing the awar<span class=\"_ _0\"></span>d year<span class=\"_ _0\"></span> and are subject to up to a f<span class=\"_ _0\"></span>our-<span class=\"_ _0\"></span>year holding period. For<span class=\"_ _0\"></span> the CEO, annual </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b5\">remuner<span class=\"_ _0\"></span>ation paid in shares is fix<span class=\"_ _0\"></span>ed every thr<span class=\"_ _0\"></span>ee years, wher<span class=\"_ _0\"></span>eas for<span class=\"_ _0\"></span> other members of <span class=\"_ _0\"></span>the Management Board and MRT<span class=\"_ _d\"></span>s the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b6\">remuner<span class=\"_ _0\"></span>ation is set on an annual basis. As f<span class=\"_ _0\"></span>or the variable shar<span class=\"_ _0\"></span>e remuner<span class=\"_ _0\"></span>ation, it is awarded annually<span class=\"_ _0\"></span> in the form of<span class=\"_ _0\"></span> nil-cost options </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b7\">over <span class=\"_ _0\"></span>the shares of BOGG PL<span class=\"_ _0\"></span>C and is also fix<span class=\"_ _0\"></span>ed in monetar<span class=\"_ _2\"></span>y t<span class=\"_ _0\"></span>erms at the date of the contr<span class=\"_ _0\"></span>act. Such awards are subject to v<span class=\"_ _0\"></span>esting </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b8\">and holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5b9\">The awards of<span class=\"_ _0\"></span> shares in monetary terms ar<span class=\"_ _0\"></span>e accounted as equity-se<span class=\"_ _0\"></span>ttled transactions and are measur<span class=\"_ _0\"></span>ed by<span class=\"_ _0\"></span> ref<span class=\"_ _0\"></span>erence to <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ba\">monetary value (<span class=\"_ _d\"></span>as awarded) adjusted f<span class=\"_ _0\"></span>or the time v<span class=\"_ _0\"></span>alue of money<span class=\"_ _0\"></span> where necessary<span class=\"_ _d\"></span>. The cost of equity-se<span class=\"_ _0\"></span>ttled transactions is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5bb\">recognised <span class=\"_ _0\"></span>together with the corr<span class=\"_ _0\"></span>esponding increase in equity<span class=\"_ _0\"></span> as part of additional paid-in capital, over <span class=\"_ _0\"></span>the period in which the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5bc\">service conditions are f<span class=\"_ _0\"></span>ulfilled, ending on the date when the r<span class=\"_ _0\"></span>elevant employ<span class=\"_ _0\"></span>ee is fully en<span class=\"_ _0\"></span>titled to the award (the \u2018vesting dat<span class=\"_ _0\"></span>e\u2019).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5bd\">In February 2023, BOGG\u2019<span class=\"_ _d\"></span>s Remuneration C<span class=\"_ _0\"></span>ommittee resolved t<span class=\"_ _0\"></span>o award 241,500 or<span class=\"_ _0\"></span>dinar<span class=\"_ _2\"></span>y shar<span class=\"_ _0\"></span>es of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5be\">the members of the Managemen<span class=\"_ _0\"></span>t Board and 7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,520 ordinary shar<span class=\"_ _0\"></span>es of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C to the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s 18 ex<span class=\"_ _0\"></span>ecutives. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5bf\">Shares awar<span class=\"_ _0\"></span>ded to the Management Boar<span class=\"_ _0\"></span>d are subject to fiv<span class=\"_ _0\"></span>e-year <span class=\"_ _0\"></span>vesting and two-<span class=\"_ _0\"></span>year holding periods, while those aw<span class=\"_ _0\"></span>arded to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c0\">the other 18 e<span class=\"_ _0\"></span>xecutives ar<span class=\"_ _0\"></span>e subject to three-<span class=\"_ _0\"></span>year ves<span class=\"_ _0\"></span>ting periods with continuous employment being <span class=\"_ _0\"></span>the only vesting c<span class=\"_ _0\"></span>ondition for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c1\">both awards. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>s 9 February<span class=\"_ _0\"></span>, 10 May and 20 October<span class=\"_ _0\"></span> 2023 as the grant dates. <span class=\"_ _0\"></span>The Group estimates <span class=\"_ _0\"></span>that the fair<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c2\">value of the shar<span class=\"_ _0\"></span>es awarded on 9 F<span class=\"_ _0\"></span>ebruar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, 10 May and 20 October 2023 wer<span class=\"_ _0\"></span>e Georgian Lari 87<span class=\"_ _5\"></span>.65, 99.<span class=\"_ _0\"></span>04 and 106.31 per share.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c3\">In January 20<span class=\"_ _0\"></span>22<span class=\"_ _2\"></span>, BOGG\u2019<span class=\"_ _0\"></span>s Remuner<span class=\"_ _0\"></span>ation Committee resolved <span class=\"_ _0\"></span>to award 350,<span class=\"_ _0\"></span>017 ordinary shar<span class=\"_ _0\"></span>es of Bank of Georgia Gr<span class=\"_ _0\"></span>oup PL<span class=\"_ _0\"></span>C to the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c4\">members of the Managemen<span class=\"_ _0\"></span>t Board and 54,851 ordinary shares of<span class=\"_ _0\"></span> Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC t<span class=\"_ _0\"></span>o the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s 13 executive<span class=\"_ _0\"></span>s. Shares </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs5c5\">awarded to the Management Boar<span class=\"_ _0\"></span>d are subject to two-year<span class=\"_ _0\"></span> vesting and two-year<span class=\"_ _0\"></span> holding periods, while those <span class=\"_ _2\"></span>awarded to the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c6\">other 13 e<span class=\"_ _0\"></span>xecutives ar<span class=\"_ _0\"></span>e subject to three-<span class=\"_ _0\"></span>year ves<span class=\"_ _0\"></span>ting periods with continuous employment being <span class=\"_ _0\"></span>the only vesting c<span class=\"_ _0\"></span>ondition for bo<span class=\"_ _0\"></span>th </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c7\">awards. <span class=\"_ _0\"></span>The Group consider<span class=\"_ _0\"></span>s 31 January 2022 as the gr<span class=\"_ _0\"></span>ant date. <span class=\"_ _0\"></span>The Group estimates that the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of the shares aw<span class=\"_ _0\"></span>arded on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c8\">31 January 20<span class=\"_ _0\"></span>22 was Georgian Lari 59<span class=\"_ _d\"></span>.<span class=\"_ _0\"></span>98 per share.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5c9\">In March 2021, BOGG\u2019<span class=\"_ _d\"></span>s Remuneration Commit<span class=\"_ _0\"></span>tee resolved t<span class=\"_ _0\"></span>o award 20,<span class=\"_ _d\"></span>100 ordinary shar<span class=\"_ _0\"></span>es of Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C to the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ca\">members of the Managemen<span class=\"_ _0\"></span>t Board and 17<span class=\"_ _0\"></span>6,218 ordinary shares of<span class=\"_ _0\"></span> Bank of Georgia Gr<span class=\"_ _0\"></span>oup PLC <span class=\"_ _0\"></span>to the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s 46 executives. Shar<span class=\"_ _0\"></span>es </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5cb\">awarded <span class=\"_ _0\"></span>to the Management Board and t<span class=\"_ _0\"></span>o the other 46 ex<span class=\"_ _0\"></span>ecutives are subject to thr<span class=\"_ _0\"></span>ee-y<span class=\"_ _0\"></span>ear vesting with c<span class=\"_ _0\"></span>ontinuous employment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5cc\">being the only<span class=\"_ _0\"></span> vesting condition f<span class=\"_ _0\"></span>or both awar<span class=\"_ _0\"></span>ds. The Group c<span class=\"_ _0\"></span>onsiders 11 March 2021 as the gr<span class=\"_ _0\"></span>ant date. <span class=\"_ _0\"></span>The Group estimates that </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5cd\">the f<span class=\"_ _0\"></span>air value of the shar<span class=\"_ _0\"></span>es awarded on 11 Mar<span class=\"_ _0\"></span>ch 2021 was Georgian L<span class=\"_ _0\"></span>ari 50.<span class=\"_ _d\"></span>12 per share.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ce\">In 2023, Management Boar<span class=\"_ _0\"></span>d members signed fixed con<span class=\"_ _0\"></span>tingent share-based compensation agr<span class=\"_ _0\"></span>eements, with fixed c<span class=\"_ _0\"></span>ontract values </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5cf\">of GEL<span class=\"_ _0\"></span> 16,248. The Group consider<span class=\"_ _0\"></span>s 1 January 2023 as the gr<span class=\"_ _0\"></span>ant dates f<span class=\"_ _0\"></span>or the awar<span class=\"_ _0\"></span>ds. The Group estimated <span class=\"_ _0\"></span>the value of the shar<span class=\"_ _0\"></span>es </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d0\">was Georgian Lari 82.<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>1 per share<span class=\"_ _0\"></span>, based on the five working day<span class=\"_ _0\"></span> average shar<span class=\"_ _0\"></span>e price befor<span class=\"_ _0\"></span>e 25 December 2022, respectively<span class=\"_ _d\"></span>. <span class=\"_ _0\"></span>The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d1\">awards <span class=\"_ _0\"></span>will be subject to one-year<span class=\"_ _0\"></span> vesting and thr<span class=\"_ _0\"></span>ee-year holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d2\">In 2023, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s other executiv<span class=\"_ _0\"></span>e members signed fixed con<span class=\"_ _0\"></span>tingent share-based compensation agr<span class=\"_ _0\"></span>eements, with fixed c<span class=\"_ _0\"></span>ontract </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d3\">values of GEL<span class=\"_ _0\"></span> 4,<span class=\"_ _0\"></span>149<span class=\"_ _d\"></span>. The Group considers 1 <span class=\"_ _d\"></span>Januar<span class=\"_ _2\"></span>y 2023, 1 April 2023, 27 <span class=\"_ _0\"></span>April 2023, 1 May 2023 and 1 <span class=\"_ _d\"></span>June 2023 as the grant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d4\">dates f<span class=\"_ _0\"></span>or the awards. <span class=\"_ _0\"></span>The Group estimated <span class=\"_ _0\"></span>the value of the shar<span class=\"_ _0\"></span>es were Geor<span class=\"_ _0\"></span>gian Lari 82.<span class=\"_ _0\"></span>91, 78.<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>, 76.<span class=\"_ _0\"></span>77<span class=\"_ _d\"></span>, 76.6<span class=\"_ _0\"></span>1 and 79<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>99 per share </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d5\">respectively<span class=\"_ _d\"></span>, based on the five <span class=\"_ _0\"></span>working day aver<span class=\"_ _0\"></span>age share price bef<span class=\"_ _0\"></span>ore the 25 Dec<span class=\"_ _0\"></span>ember 2022. The awar<span class=\"_ _0\"></span>ds will be subject to one-y<span class=\"_ _0\"></span>ear </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d6\">vesting and thr<span class=\"_ _0\"></span>ee-year<span class=\"_ _0\"></span> holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d7\">In 2022, Management Board members signed <span class=\"_ _0\"></span>fixed contingent shar<span class=\"_ _0\"></span>e-based compensation agreements, <span class=\"_ _0\"></span>with fixed contr<span class=\"_ _0\"></span>act values </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d8\">of GEL<span class=\"_ _0\"></span> 46,<span class=\"_ _0\"></span>168. The Gr<span class=\"_ _0\"></span>oup considers 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y 2022 and 30 <span class=\"_ _0\"></span>June 2022 as the gr<span class=\"_ _0\"></span>ant dates for<span class=\"_ _0\"></span> the awards. <span class=\"_ _0\"></span>The Group estimated the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5d9\">value of the shar<span class=\"_ _0\"></span>es were Geor<span class=\"_ _0\"></span>gian Lari 64<span class=\"_ _2\"></span>.<span class=\"_ _d\"></span>10 and 60.77 per shar<span class=\"_ _0\"></span>e respectively<span class=\"_ _d\"></span>, based on the five <span class=\"_ _0\"></span>working day aver<span class=\"_ _0\"></span>age share price </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5da\">befor<span class=\"_ _0\"></span>e 25 December 2021, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>. The awards will be subject <span class=\"_ _0\"></span>to one-year<span class=\"_ _0\"></span> vesting and three-<span class=\"_ _0\"></span>year holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5db\">In 2022, the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s other ex<span class=\"_ _0\"></span>ecutive members signed fix<span class=\"_ _0\"></span>ed contingent shar<span class=\"_ _0\"></span>e-based compensation agreements, with <span class=\"_ _0\"></span>fixed contr<span class=\"_ _0\"></span>act </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5dc\">values of GEL<span class=\"_ _0\"></span> 4,493. The Group c<span class=\"_ _0\"></span>onsiders 1 January 2022 and 1 <span class=\"_ _0\"></span>July 20<span class=\"_ _0\"></span>22 as the grant dates <span class=\"_ _0\"></span>for the awar<span class=\"_ _0\"></span>ds. The Gr<span class=\"_ _0\"></span>oup estimated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5dd\">the value of <span class=\"_ _0\"></span>the shares wer<span class=\"_ _0\"></span>e Georgian Lari 64.<span class=\"_ _0\"></span>10 and 60.<span class=\"_ _0\"></span>76 per shar<span class=\"_ _0\"></span>e respectively<span class=\"_ _d\"></span>, based on the five <span class=\"_ _0\"></span>working day aver<span class=\"_ _0\"></span>age share price </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5de\">befor<span class=\"_ _0\"></span>e 25 December 2021, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>. The awards will be subject <span class=\"_ _0\"></span>to one-year<span class=\"_ _0\"></span> vesting and three-<span class=\"_ _0\"></span>year holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e0\">In 2021, ke<span class=\"_ _0\"></span>y e<span class=\"_ _0\"></span>xecutive members signed fix<span class=\"_ _0\"></span>ed contingent shar<span class=\"_ _0\"></span>e-based compensation agreements <span class=\"_ _0\"></span>with the total of 10<span class=\"_ _0\"></span>,000 ordinary </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e1\">shares of<span class=\"_ _0\"></span> BOGG. The aw<span class=\"_ _0\"></span>ards will be subject to thr<span class=\"_ _0\"></span>ee-year<span class=\"_ _0\"></span> vesting periods. <span class=\"_ _0\"></span>The Group considers 1 Mar<span class=\"_ _0\"></span>ch 2021 as the grant dat<span class=\"_ _0\"></span>es for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e2\">the awards. <span class=\"_ _0\"></span>The Group estimated that <span class=\"_ _0\"></span>the fair<span class=\"_ _0\"></span> value of the shar<span class=\"_ _0\"></span>es awarded on 1 Mar<span class=\"_ _0\"></span>ch 2021 was Georgian Lari 45.89 per<span class=\"_ _0\"></span> share.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e3\">In 2021, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s other executiv<span class=\"_ _0\"></span>e members signed fixed con<span class=\"_ _0\"></span>tingent share-based compensation agr<span class=\"_ _0\"></span>eements, with fixed c<span class=\"_ _0\"></span>ontract </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e4\">values of GEL<span class=\"_ _0\"></span> 2,065. The Gr<span class=\"_ _0\"></span>oup considers 1 May 20<span class=\"_ _0\"></span>21 and 1 October 2021 as the grant dat<span class=\"_ _0\"></span>es for <span class=\"_ _0\"></span>the awards. The Gr<span class=\"_ _0\"></span>oup estimated </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e5\">the value of <span class=\"_ _0\"></span>the shares was Geor<span class=\"_ _0\"></span>gian Lari 51.57 and 66.<span class=\"_ _d\"></span>12 per share, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>, based on the five working day<span class=\"_ _0\"></span> average share pric<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e6\">befor<span class=\"_ _0\"></span>e the gran<span class=\"_ _0\"></span>t dates of 1 May 2021 and 1 October<span class=\"_ _0\"></span> 2021, respectively<span class=\"_ _d\"></span>. The awar<span class=\"_ _0\"></span>ds will be subject to one-y<span class=\"_ _0\"></span>ear vesting and thr<span class=\"_ _0\"></span>ee-y<span class=\"_ _0\"></span>ear </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e7\">holding periods. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e8\">The Bank gran<span class=\"_ _0\"></span>ts share compensation to its non-e<span class=\"_ _0\"></span>xecutive emplo<span class=\"_ _0\"></span>yees. In February 2023, <span class=\"_ _0\"></span>January 2022 and March 2021, <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5e9\">Supervisor<span class=\"_ _2\"></span>y Boar<span class=\"_ _0\"></span>d of the Bank resolv<span class=\"_ _0\"></span>ed to award 157<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>146, 212,327 and 188,694 ordinary shar<span class=\"_ _0\"></span>es, respectively<span class=\"_ _d\"></span>, to its certain </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ea\">non-ex<span class=\"_ _0\"></span>ecutive employees. <span class=\"_ _0\"></span>All these awards ar<span class=\"_ _0\"></span>e subject to three-<span class=\"_ _0\"></span>year v<span class=\"_ _0\"></span>esting periods, with continuous employmen<span class=\"_ _0\"></span>t being the only </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5eb\">vesting condition f<span class=\"_ _0\"></span>or all awar<span class=\"_ _0\"></span>ds. The Group c<span class=\"_ _0\"></span>onsiders 9 February 2023, 31 <span class=\"_ _0\"></span>January 2022 and 11 March 2021 as <span class=\"_ _0\"></span>the grant dates of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ec\">these awards, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>. The Group estimated <span class=\"_ _0\"></span>that the fair<span class=\"_ _0\"></span> values of the shar<span class=\"_ _0\"></span>es awarded on 9 F<span class=\"_ _0\"></span>ebruar<span class=\"_ _2\"></span>y 2023, 31 <span class=\"_ _0\"></span>January 2022 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ed\">and 11 March 2021 <span class=\"_ _0\"></span>were Georgian Lari 8<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>.65, 59<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>98 and 50.<span class=\"_ _d\"></span>12 per share, r<span class=\"_ _0\"></span>espectively<span class=\"_ _d\"></span>. </div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs5ee\">Summary </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ef\">Fair <span class=\"_ _0\"></span>value of the shar<span class=\"_ _0\"></span>es granted at the measur<span class=\"_ _0\"></span>ement date is determined based on available mark<span class=\"_ _0\"></span>et quotations.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f0\">The weighted av<span class=\"_ _0\"></span>erage f<span class=\"_ _0\"></span>air value of shar<span class=\"_ _0\"></span>e-based awards at the gr<span class=\"_ _0\"></span>ant date amounted to Geor<span class=\"_ _0\"></span>gian Lari 84.87 per share in <span class=\"_ _0\"></span>year ended </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f1\">31 December 2023 (31 December<span class=\"_ _0\"></span> 2022: Georgian Lari 62.25 per shar<span class=\"_ _0\"></span>e, 31 December 2021: Geor<span class=\"_ _0\"></span>gian Lari 50.<span class=\"_ _0\"></span>93).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f2\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s total shar<span class=\"_ _0\"></span>e-based payment expenses f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>year ended 31 December 2023 amoun<span class=\"_ _0\"></span>ted to GEL 72,055 (31 December<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f3\">2022: GEL<span class=\"_ _0\"></span> 82<span class=\"_ _2\"></span>,025, 31 December<span class=\"_ _0\"></span> 2021: GEL 45,30<span class=\"_ _0\"></span>7) and are included in \u2018<span class=\"_ _0\"></span>salaries and other employee bene<span class=\"_ _0\"></span>fits\u2019 as \u2018salaries and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f4\">bonuses\u2019<span class=\"_ _5\"></span>. Below is the summary o<span class=\"_ _0\"></span>f the share-based payments-r<span class=\"_ _0\"></span>elated data: </div><div class=\"gs5f5\"><table class=\"s wfdd h134\" id=\"_be2ffba9-3016-4d48-8db5-6cc777b8bcb3\"><tr><td></td><td class=\"c n x8d8 y4d0f w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4d0f w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4d0f w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 wfde hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal number of equity<span class=\"_ _0\"></span> instruments awarded<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ff y4ac6 wfdf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">724,296</div></td><td class=\"c n x1900 y4ac6 wf8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,405,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1901 y4ac6 wf59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">434<span class=\"_ _2\"></span>,77<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 wfe0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">\u2013 Among them, to the Management Board<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1902 y4ac7 wfe1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _d\"></span>,461</div></td><td class=\"c n x1903 y4ac7 w240 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,071,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1904 y4ac7 wfe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,<span class=\"_ _0\"></span>100<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 wfe3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted aver<span class=\"_ _0\"></span>age value at gran<span class=\"_ _0\"></span>t date, per share (<span class=\"_ _0\"></span>GEL in <span class=\"_ _0\"></span>full amount)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1905 y4aa1 w8f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84.87<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1906 y4aa1 wfe4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>.25<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1907 y4aa1 wfe5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>93<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c wfe6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">V<span class=\"_ _d\"></span>alue at grant date, tot<span class=\"_ _0\"></span>al (GEL)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x770 y4b3c w2a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">61,469<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1908 y4b3c wed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xae5 y4b3c w4f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,143<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 wfe7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal e<span class=\"_ _0\"></span>xpense recognised during the <span class=\"_ _0\"></span>year (<span class=\"_ _0\"></span>GEL)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1909 y4aa3 wfe8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(72,055)</div></td><td class=\"c n x190a y4aa3 wfe9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(82,025)</div></td><td class=\"c n x190b y4aa3 wfea hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(45,307)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f6\">During 2023 BOGG Directors e<span class=\"_ _0\"></span>xer<span class=\"_ _0\"></span>cised 242,70<span class=\"_ _0\"></span>7 (2022: 70<span class=\"_ _0\"></span>,6<span class=\"_ _2\"></span>46) shar<span class=\"_ _0\"></span>es with a fair<span class=\"_ _0\"></span> value of GEL<span class=\"_ _0\"></span> 20,827 (2022: 3,602). <span class=\"_ _0\"></span>The weighted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5f7\">average shar<span class=\"_ _0\"></span>e price was GEL<span class=\"_ _0\"></span> 85.81 per share (2022: 50<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>99). During 2021 BOGG Dir<span class=\"_ _0\"></span>ectors did not ex<span class=\"_ _0\"></span>ercise any<span class=\"_ _0\"></span> shares. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-747": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs5f9\">30.  Risk management<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs5fa\">Introduction<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws17 gs5fb\">Risk is inheren<span class=\"_ _0\"></span>t in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s activities, but it is managed through a proc<span class=\"_ _0\"></span>ess of ongoing identification, measur<span class=\"_ _0\"></span>ement and monitoring, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5fc\">subject to risk limits and other c<span class=\"_ _0\"></span>ontrols. <span class=\"_ _0\"></span>This process of risk managemen<span class=\"_ _0\"></span>t is critical to the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s continuing pr<span class=\"_ _0\"></span>ofitability and each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5fd\">individual within the Gr<span class=\"_ _0\"></span>oup is accountable f<span class=\"_ _0\"></span>or the risk e<span class=\"_ _0\"></span>xposures relating <span class=\"_ _0\"></span>to his or her r<span class=\"_ _0\"></span>esponsibilities. The Group is e<span class=\"_ _0\"></span>xposed to credit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5fe\">risk, liquidity risk and marke<span class=\"_ _0\"></span>t risk, the latter being subdivided into tr<span class=\"_ _0\"></span>ading and non-trading risks. It is also subject t<span class=\"_ _0\"></span>o operational risks. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs5ff\">The independent risk contr<span class=\"_ _0\"></span>ol process does no<span class=\"_ _0\"></span>t include business risks such as changes in the environmen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>, technology and industry<span class=\"_ _d\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs600\">They<span class=\"_ _0\"></span> are monitor<span class=\"_ _0\"></span>ed through the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s strategic planning proces<span class=\"_ _0\"></span>s. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs601\">Risk management structur<span class=\"_ _0\"></span>e<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs602\">The Bank\u2019<span class=\"_ _0\"></span>s risk management f<span class=\"_ _0\"></span>ramework and risk appetit<span class=\"_ _0\"></span>e frame<span class=\"_ _0\"></span>work policies are based on the thr<span class=\"_ _0\"></span>ee lines of def<span class=\"_ _0\"></span>ence model and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs603\">reflect the r<span class=\"_ _0\"></span>equirements of<span class=\"_ _0\"></span> the Corporate Gov<span class=\"_ _0\"></span>ernance Code adopted by<span class=\"_ _0\"></span> the NBG<span class=\"_ _0\"></span>. The thr<span class=\"_ _0\"></span>ee lines of defenc<span class=\"_ _0\"></span>e model enhances the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs604\">understanding of risk managemen<span class=\"_ _0\"></span>t and control b<span class=\"_ _0\"></span>y clarifying roles and r<span class=\"_ _0\"></span>esponsibilities within the Bank\u2019<span class=\"_ _d\"></span>s differ<span class=\"_ _0\"></span>ent risk management </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs605\">bodies and business units in order<span class=\"_ _0\"></span> to increase the ef<span class=\"_ _0\"></span>fective management of<span class=\"_ _0\"></span> risk and control. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs606\">Audit Commit<span class=\"_ _0\"></span>tee</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs607\">The Audit Commit<span class=\"_ _0\"></span>tee assists the Board in r<span class=\"_ _0\"></span>elation to the over<span class=\"_ _0\"></span>sight of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s financial and r<span class=\"_ _0\"></span>eporting processes. It monitors </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs608\">the integrity of<span class=\"_ _0\"></span> the financial statements and is r<span class=\"_ _0\"></span>esponsible for go<span class=\"_ _0\"></span>vernance around both <span class=\"_ _0\"></span>the Internal Audit f<span class=\"_ _0\"></span>unction and external </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs609\">auditor<span class=\"_ _d\"></span>, reporting back to <span class=\"_ _0\"></span>the Board. It revie<span class=\"_ _0\"></span>ws the eff<span class=\"_ _0\"></span>ectiveness of the policies, proc<span class=\"_ _0\"></span>edures and systems in place r<span class=\"_ _0\"></span>elated to, among </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60a\">other oper<span class=\"_ _0\"></span>ational risks, compliance, IT<span class=\"_ _0\"></span> and internal security (including cybersecurity), and works closely<span class=\"_ _0\"></span> with the Risk C<span class=\"_ _0\"></span>ommittee in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60b\">connection with assessing the ef<span class=\"_ _0\"></span>fectiveness of <span class=\"_ _0\"></span>the risk management and internal contr<span class=\"_ _0\"></span>ol fr<span class=\"_ _0\"></span>amework.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs60c\">Risk Commit<span class=\"_ _0\"></span>tee</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60d\">The Risk Committee assists <span class=\"_ _0\"></span>the Board in relation <span class=\"_ _0\"></span>to the oversight o<span class=\"_ _0\"></span>f risk. It reviews the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s risk appetite in line with strategy<span class=\"_ _d\"></span>, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60e\">identifies and monitors risk e<span class=\"_ _0\"></span>xposure and the risk managemen<span class=\"_ _0\"></span>t infr<span class=\"_ _0\"></span>astructure, over<span class=\"_ _0\"></span>sees the implementation of str<span class=\"_ _0\"></span>ategy to addr<span class=\"_ _0\"></span>ess </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs60f\">risk, and in conjunction with the Audit C<span class=\"_ _0\"></span>ommittee, assesses the str<span class=\"_ _0\"></span>ength and eff<span class=\"_ _0\"></span>ectiveness of the risk management and internal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs610\">contr<span class=\"_ _0\"></span>ol framework.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs612\">Management Board</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs613\">The Management Board has o<span class=\"_ _0\"></span>verall r<span class=\"_ _0\"></span>esponsibility f<span class=\"_ _0\"></span>or the Bank\u2019<span class=\"_ _0\"></span>s asset, liability and risk management activities, policies and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs614\">procedur<span class=\"_ _0\"></span>es. In order <span class=\"_ _0\"></span>to eff<span class=\"_ _0\"></span>ectively implement the risk managemen<span class=\"_ _0\"></span>t system, the Management Board delegat<span class=\"_ _0\"></span>es individual risk </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs615\">management functions to each o<span class=\"_ _0\"></span>f the various decision-making and e<span class=\"_ _0\"></span>xecution bodies within the Bank. </div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs616\">Credit C<span class=\"_ _0\"></span>ommittees</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs617\">The Bank has five Cr<span class=\"_ _0\"></span>edit Committees, each r<span class=\"_ _0\"></span>esponsible for supervising and managing the Bank\u2019<span class=\"_ _d\"></span>s credit risks in respect of loans and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs618\">counterparty cr<span class=\"_ _0\"></span>edit exposur<span class=\"_ _0\"></span>es. Each Credit Committee c<span class=\"_ _0\"></span>omprises tiers of subcommitt<span class=\"_ _0\"></span>ees and approves individual loan tr<span class=\"_ _0\"></span>ansactions. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs619\">Lower <span class=\"_ _0\"></span>tier subcommittees meet on a daily<span class=\"_ _0\"></span> basis, whereas higher<span class=\"_ _0\"></span> tier ones meet as needed, typically<span class=\"_ _0\"></span> one or two times a <span class=\"_ _0\"></span>week. Each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs61a\">of the subcommit<span class=\"_ _0\"></span>tees of the Credit C<span class=\"_ _0\"></span>ommittees makes its decisions b<span class=\"_ _0\"></span>y a majority <span class=\"_ _0\"></span>vote of its members.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws0 gs61b\">Bank Asse<span class=\"_ _0\"></span>t and Liability Management Commit<span class=\"_ _0\"></span>tee </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws9c gs61c\">The Bank\u2019<span class=\"_ _0\"></span>s Asset and Liability<span class=\"_ _0\"></span> Management Committee (\u2018<span class=\"_ _d\"></span>AL<span class=\"_ _0\"></span>CO\u2019) is the cor<span class=\"_ _0\"></span>e asset liability management (ALM) and risk managemen<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs61d\">body <span class=\"_ _0\"></span>that establishes policies and guidelines with respect to c<span class=\"_ _0\"></span>apital adequacy<span class=\"_ _0\"></span>, market risks and r<span class=\"_ _0\"></span>espective limits, funding liquidity<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs61e\">risk and respective limits, in<span class=\"_ _0\"></span>terest rate and pr<span class=\"_ _0\"></span>epayment risks and respective limits, mone<span class=\"_ _0\"></span>y mark<span class=\"_ _0\"></span>et general terms and cr<span class=\"_ _0\"></span>edit exposur<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs61f\">limits. AL<span class=\"_ _0\"></span>CO designs and implements r<span class=\"_ _0\"></span>espective risk management and stress <span class=\"_ _0\"></span>testing models, regularly<span class=\"_ _0\"></span> monitors compliance with <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs620\">pre-set risk limits, and appr<span class=\"_ _0\"></span>oves tr<span class=\"_ _0\"></span>easury deals with non-standard <span class=\"_ _0\"></span>terms.<span class=\"_ _3e0\"> </span></div><div class=\"t ma hcc ff1 fs37 fc6 sc0 ls0 ws100 gs621\">Internal Audit</div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs622\">The Internal A<span class=\"_ _0\"></span>udit function is responsible f<span class=\"_ _0\"></span>or the audit of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s risk management, internal control and c<span class=\"_ _0\"></span>orporate governance </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs623\">processes, <span class=\"_ _0\"></span>with the aim of reducing <span class=\"_ _0\"></span>the levels of oper<span class=\"_ _0\"></span>ational and other risks, auditing the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s internal contr<span class=\"_ _0\"></span>ol systems and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs624\">detecting any<span class=\"_ _0\"></span> infringements or<span class=\"_ _0\"></span> errors on the part of <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s departments and divisions. It examines both <span class=\"_ _0\"></span>the adequacy and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs625\">the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s compliance with those pr<span class=\"_ _0\"></span>ocedures. <span class=\"_ _0\"></span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s Internal Audit department discusses the r<span class=\"_ _0\"></span>esults of all assessments with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs626\">management, and reports its findings and rec<span class=\"_ _0\"></span>ommendations to the Audit C<span class=\"_ _0\"></span>ommittee.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs627\">Risk measuremen<span class=\"_ _0\"></span>t and reporting systems<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs628\">The Bank applies a variety<span class=\"_ _0\"></span> of risk metrics to measur<span class=\"_ _0\"></span>e its exposur<span class=\"_ _0\"></span>es, ranging fr<span class=\"_ _0\"></span>om operational indicator<span class=\"_ _0\"></span>s to f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward-looking/<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs629\">statistical model-based appr<span class=\"_ _0\"></span>oaches and stress scenarios.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62a\">The Bank has established risk appetite limits <span class=\"_ _0\"></span>for its principal risks, which ar<span class=\"_ _0\"></span>e approv<span class=\"_ _0\"></span>ed by the Supervisory Boar<span class=\"_ _0\"></span>d. Monitoring and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62b\">contr<span class=\"_ _0\"></span>olling of these risks are perf<span class=\"_ _0\"></span>ormed with ref<span class=\"_ _0\"></span>erence t<span class=\"_ _0\"></span>o these limits. The<span class=\"_ _0\"></span>y reflect <span class=\"_ _0\"></span>the business strategy<span class=\"_ _0\"></span> and market envir<span class=\"_ _0\"></span>onment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62c\">in which the Bank oper<span class=\"_ _0\"></span>ates and they<span class=\"_ _0\"></span> set the boundaries f<span class=\"_ _0\"></span>or the level o<span class=\"_ _0\"></span>f risk the Bank is willing to <span class=\"_ _0\"></span>take in pursuit of its str<span class=\"_ _0\"></span>ategic </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62d\">objectives. The Bank c<span class=\"_ _0\"></span>ontinuously monitors <span class=\"_ _0\"></span>the landscape to ensure <span class=\"_ _0\"></span>that any signific<span class=\"_ _0\"></span>ant changes in the underlying assumptions and/<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62e\">or conditions ar<span class=\"_ _0\"></span>e identified and adapted in a timely<span class=\"_ _0\"></span> manner<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs62f\">Inf<span class=\"_ _0\"></span>ormation compiled fr<span class=\"_ _0\"></span>om all the businesses is ex<span class=\"_ _0\"></span>amined and processed in or<span class=\"_ _0\"></span>der to analyse, con<span class=\"_ _0\"></span>trol and identify<span class=\"_ _0\"></span> early risks. This </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs630\">inf<span class=\"_ _0\"></span>ormation is presented and e<span class=\"_ _0\"></span>xplained to the Management Boar<span class=\"_ _0\"></span>d, and the head of each business division. The r<span class=\"_ _0\"></span>eports include </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs631\">aggregate cr<span class=\"_ _0\"></span>edit exposur<span class=\"_ _0\"></span>es, liquidity ratios and changes t<span class=\"_ _0\"></span>o the risk profile. Senior<span class=\"_ _0\"></span> management assesses the appropriateness o<span class=\"_ _0\"></span>f the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs632\">ECL on a mon<span class=\"_ _0\"></span>thly basis. T<span class=\"_ _0\"></span>he Management Board rec<span class=\"_ _0\"></span>eives a comprehensive cr<span class=\"_ _0\"></span>edit risk report and AL<span class=\"_ _d\"></span>CO report. These reports ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs633\">designed to pr<span class=\"_ _0\"></span>ovide all the necessary inf<span class=\"_ _0\"></span>ormation to assess and conclude on the risks o<span class=\"_ _0\"></span>f the Bank. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs634\">For all le<span class=\"_ _0\"></span>vels throughout the Bank, specifically<span class=\"_ _0\"></span> tailor<span class=\"_ _0\"></span>ed risk reports are pr<span class=\"_ _0\"></span>epared and distributed in or<span class=\"_ _0\"></span>der to ensure <span class=\"_ _0\"></span>that all business </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs635\">divisions have access <span class=\"_ _0\"></span>to extensive, r<span class=\"_ _0\"></span>elevant and up-t<span class=\"_ _0\"></span>o-date information.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs636\">A daily<span class=\"_ _0\"></span> briefing is given to the Management Boar<span class=\"_ _0\"></span>d and all other r<span class=\"_ _0\"></span>elevant employ<span class=\"_ _0\"></span>ees of the Group on <span class=\"_ _0\"></span>the utilisation of market limits, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs637\">proprietary in<span class=\"_ _0\"></span>vestments and liquidity<span class=\"_ _d\"></span>, plus any other<span class=\"_ _0\"></span> risk developments.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs638\">Risk mitigation<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs639\">As part of its over<span class=\"_ _0\"></span>all risk management, the Group uses derivatives and other<span class=\"_ _0\"></span> instruments to manage e<span class=\"_ _0\"></span>xposures resulting <span class=\"_ _0\"></span>from </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs63a\">changes in intere<span class=\"_ _0\"></span>st rates, f<span class=\"_ _0\"></span>oreign currencies, equity<span class=\"_ _0\"></span> risks, credit risks and e<span class=\"_ _0\"></span>xposures arising fr<span class=\"_ _0\"></span>om for<span class=\"_ _0\"></span>ecast tr<span class=\"_ _0\"></span>ansactions. While these </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs63b\">are intended <span class=\"_ _0\"></span>for hedging, the<span class=\"_ _0\"></span>y do not qualify<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> hedge accounting. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs63c\">The Group actively<span class=\"_ _0\"></span> uses collateral <span class=\"_ _0\"></span>to reduce its cr<span class=\"_ _0\"></span>edit risks (see below f<span class=\"_ _0\"></span>or more det<span class=\"_ _0\"></span>ail).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs63d\">Ex<span class=\"_ _0\"></span>cessive risk c<span class=\"_ _0\"></span>oncentration<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs63e\">Concentr<span class=\"_ _0\"></span>ations arise when a number of c<span class=\"_ _0\"></span>ounterparties are engaged in similar business activities, or activities in the same </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs63f\">geographic r<span class=\"_ _0\"></span>egion, or these counterparties r<span class=\"_ _0\"></span>epresent r<span class=\"_ _0\"></span>elated parties to each other<span class=\"_ _d\"></span>, or have similar economic <span class=\"_ _0\"></span>feature<span class=\"_ _0\"></span>s that would </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs640\">cause their ability<span class=\"_ _0\"></span> to meet contr<span class=\"_ _0\"></span>actual obligations to be similarly af<span class=\"_ _0\"></span>fected by<span class=\"_ _0\"></span> changes in economic, political or other<span class=\"_ _0\"></span> conditions. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs641\">Concentr<span class=\"_ _0\"></span>ations also involve combined, aggr<span class=\"_ _0\"></span>egate exposur<span class=\"_ _0\"></span>es of large and significan<span class=\"_ _0\"></span>t credits compar<span class=\"_ _0\"></span>ed with the total outstanding </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs642\">balance of the r<span class=\"_ _0\"></span>espective financial instrument. Concentr<span class=\"_ _0\"></span>ations indicate the r<span class=\"_ _0\"></span>elative sensitivity of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s performance to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs643\">developments af<span class=\"_ _0\"></span>fecting a particular industry or geogr<span class=\"_ _0\"></span>aphical location.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs644\">In order <span class=\"_ _0\"></span>to avoid ex<span class=\"_ _0\"></span>cessive concentr<span class=\"_ _0\"></span>ations of risks, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s policies and procedures include specific guidelines <span class=\"_ _0\"></span>to focus on, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs645\">maintaining a diversified portf<span class=\"_ _0\"></span>olio of financial assets. Identified c<span class=\"_ _0\"></span>oncentrations of cr<span class=\"_ _0\"></span>edit risks or liquidity<span class=\"_ _d\"></span>/r<span class=\"_ _0\"></span>epayment risks are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs646\">contr<span class=\"_ _0\"></span>olled and managed accordingly<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs648\">Credit risk<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs649\">Credit risk is <span class=\"_ _0\"></span>the risk that the Group <span class=\"_ _0\"></span>will incur a loss because its customers f<span class=\"_ _0\"></span>ail to discharge <span class=\"_ _0\"></span>their contr<span class=\"_ _0\"></span>actual obligations. The Group </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64a\">manages and contr<span class=\"_ _0\"></span>ols credit risk by<span class=\"_ _0\"></span> setting limits on the amount o<span class=\"_ _0\"></span>f risk it is willing to acc<span class=\"_ _0\"></span>ept for individual c<span class=\"_ _0\"></span>ounterparties and for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64b\">geographical, industry<span class=\"_ _d\"></span>, product and currency<span class=\"_ _0\"></span> concentr<span class=\"_ _0\"></span>ations, and by monitoring e<span class=\"_ _0\"></span>xposures in r<span class=\"_ _0\"></span>elation to such limits. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64c\">The Group has established a cr<span class=\"_ _0\"></span>edit quality r<span class=\"_ _0\"></span>eview proc<span class=\"_ _0\"></span>ess to provide an early<span class=\"_ _0\"></span> identification of possible changes in <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64d\">creditworthiness of c<span class=\"_ _0\"></span>ounterparties, including regular collater<span class=\"_ _0\"></span>al revisions. C<span class=\"_ _0\"></span>ounterparty limits are established b<span class=\"_ _0\"></span>y the use of<span class=\"_ _0\"></span> a credit </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64e\">risk classification system, <span class=\"_ _0\"></span>which assigns each counterparty a risk rating. Risk<span class=\"_ _0\"></span> ratings are subject to r<span class=\"_ _0\"></span>egular re<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs64f\">The credit quality<span class=\"_ _0\"></span> review pr<span class=\"_ _0\"></span>ocess allows the Gr<span class=\"_ _0\"></span>oup to assess the poten<span class=\"_ _0\"></span>tial loss as a result of the risks <span class=\"_ _0\"></span>to which it is exposed and tak<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs650\">corrective action. <span class=\"_ _0\"></span>The maximum credit e<span class=\"_ _0\"></span>xposure is limited to the c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of r<span class=\"_ _0\"></span>espective instruments and notional amounts of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs651\">guarantees and c<span class=\"_ _0\"></span>ommitments provided.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws9 gs652\">Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs653\">Credit risk arising <span class=\"_ _0\"></span>from derivativ<span class=\"_ _0\"></span>e financial instruments is, at any<span class=\"_ _0\"></span> time, limited to <span class=\"_ _0\"></span>those with positive f<span class=\"_ _0\"></span>air values, as r<span class=\"_ _0\"></span>ecorded in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs654\">statement of <span class=\"_ _0\"></span>financial position.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs655\">Credit-r<span class=\"_ _0\"></span>elated commitment risks<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs656\">The Group mak<span class=\"_ _0\"></span>es available to its customers guar<span class=\"_ _0\"></span>antees and letters o<span class=\"_ _0\"></span>f credit which may<span class=\"_ _0\"></span> requir<span class=\"_ _0\"></span>e that the Group mak<span class=\"_ _0\"></span>e payments on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs657\">their behalf<span class=\"_ _d\"></span>. Such payments are collected f<span class=\"_ _0\"></span>rom customers based on the <span class=\"_ _0\"></span>terms of the guaran<span class=\"_ _0\"></span>tee and letter of cr<span class=\"_ _0\"></span>edit. They<span class=\"_ _0\"></span> expose the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs658\">Group t<span class=\"_ _0\"></span>o similar risks to loans and these ar<span class=\"_ _0\"></span>e mitigated by <span class=\"_ _0\"></span>the same control pr<span class=\"_ _0\"></span>ocesses and policies.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs659\">Credit quality<span class=\"_ _0\"></span> per class of financial assets<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65a\">The credit quality<span class=\"_ _0\"></span> of financial assets is managed by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup through internal and e<span class=\"_ _0\"></span>xternal credit ratings used in E<span class=\"_ _0\"></span>CL calculations. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65b\">For c<span class=\"_ _0\"></span>orporate loan portfolios, <span class=\"_ _0\"></span>the Group runs an internal r<span class=\"_ _0\"></span>ating model in which its customers are r<span class=\"_ _0\"></span>ated fr<span class=\"_ _0\"></span>om 1 to 7 using internal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65c\">grades. <span class=\"_ _0\"></span>The models incorporate both qualit<span class=\"_ _0\"></span>ative and quantitative inf<span class=\"_ _0\"></span>ormation and, in addition to inf<span class=\"_ _0\"></span>ormation specific to each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65d\">borrower<span class=\"_ _5\"></span>, utilising supplemental external inf<span class=\"_ _0\"></span>ormation that could af<span class=\"_ _0\"></span>fect the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s behaviour<span class=\"_ _d\"></span>. It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy to main<span class=\"_ _0\"></span>tain </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65e\">accurate and c<span class=\"_ _0\"></span>onsistent risk ratings acr<span class=\"_ _0\"></span>oss the credit portf<span class=\"_ _0\"></span>olio. This <span class=\"_ _0\"></span>facilitates f<span class=\"_ _0\"></span>ocused management of the applicable risks and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs65f\">the comparison of cr<span class=\"_ _0\"></span>edit exposures acr<span class=\"_ _0\"></span>oss all lines of business, geogr<span class=\"_ _0\"></span>aphic regions and products. <span class=\"_ _0\"></span>The rating system is supported </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs660\">by<span class=\"_ _0\"></span> a variety o<span class=\"_ _0\"></span>f financial analytics to provide <span class=\"_ _0\"></span>the main inputs for <span class=\"_ _0\"></span>the measurement of coun<span class=\"_ _0\"></span>terpart<span class=\"_ _2\"></span>y risk. All in<span class=\"_ _0\"></span>ternal risk ratings ar<span class=\"_ _0\"></span>e </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs661\">tailored <span class=\"_ _0\"></span>to the various categories and ar<span class=\"_ _0\"></span>e derived in accor<span class=\"_ _0\"></span>dance with the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s rating policy<span class=\"_ _d\"></span>. At<span class=\"_ _0\"></span>tributable risk ratings ar<span class=\"_ _0\"></span>e assessed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs662\">and updated regularly<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs663\">For R<span class=\"_ _0\"></span>etail, Micro and SME loans, the Gr<span class=\"_ _0\"></span>oup uses external r<span class=\"_ _0\"></span>atings provided b<span class=\"_ _0\"></span>y Credit Bur<span class=\"_ _0\"></span>eau. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs664\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s treasury<span class=\"_ _d\"></span>, trading and inter<span class=\"_ _0\"></span>-bank relationships and counterparties comprise <span class=\"_ _0\"></span>financial ser<span class=\"_ _2\"></span>vices institutions, banks and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs665\">brok<span class=\"_ _0\"></span>er-dealers. For<span class=\"_ _0\"></span> these, wher<span class=\"_ _0\"></span>e external ratings pr<span class=\"_ _0\"></span>ovided by<span class=\"_ _0\"></span> rating agencies ar<span class=\"_ _0\"></span>e available, the Group Cr<span class=\"_ _0\"></span>edit Risk department uses </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs666\">such external r<span class=\"_ _0\"></span>atings. For those <span class=\"_ _0\"></span>where external r<span class=\"_ _0\"></span>atings are not av<span class=\"_ _0\"></span>ailable internal ratings are as<span class=\"_ _0\"></span>signed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs667\">The table below sho<span class=\"_ _0\"></span>ws internal and external gr<span class=\"_ _0\"></span>ades used in ECL calculating.<span class=\"_ _3e0\"> </span></div><div class=\"gs668\"><table class=\"s wfeb h15e\" id=\"_23609b61-0ecb-472d-844f-858a59e9cd30\"><tr><td></td><td></td><td></td><td class=\"t m1 x4e0 h77 y4e27 ff2 fs1d fc1 sc0 ls0 ws0\">External Rating Grade<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4e29 wfec h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Description*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190c y4e29 wfed h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Grades<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x190d y4e29 wfee h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Credit Bur<span class=\"_ _0\"></span>eau<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190e y4e29 wfef h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d &amp; Poor\u2019s<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e2a ffb fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e2b wff0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aaa<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1910 y4e2b w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1911 y4e2b wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e2b wff2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AAA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2c wff3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1913 y4e2c wff4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1914 y4e2c wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1915 y4e2c wff6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">AA+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2d wff7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1916 y4e2d w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1917 y4e2d wff8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1918 y4e2d wff9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2e wffa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e2e wffb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">2-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191a y4e2e w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191b y4e2e wffc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A<span class=\"_ _2\"></span>A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2f wffd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191c y4e2f wffe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191d y4e2f wfff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191e y4e2f w1000 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e30 w1001 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191f y4e30 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x191e y4e30 wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e31 w1002 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1920 y4e31 w1003 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1921 y4e31 wdd8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e32 w1004 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1922 y4e32 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1923 y4e32 w1005 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e33 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1924 y4e33 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1925 y4e33 w1006 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e34 ffb fs8 fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e35 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1926 y4e35 w1008 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">4-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1927 y4e35 w1009 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e36 w100a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1928 y4e36 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1929 y4e36 w100b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e36 w100c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e37 w100d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192a y4e37 w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192b y4e37 w100e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192c y4e37 w100f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e38 w1010 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192d y4e38 w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192e y4e38 w1012 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192f y4e38 w1013 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e39 wdc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e39 w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1930 y4e39 w1014 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e3a w1015 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1931 y4e3a w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1932 y4e3a wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e3b ffb fs8 fc1 sc0 ls0 ws0\">Low grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e3c w1016 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1933 y4e3c w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1934 y4e3c wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1932 y4e3c w1017 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4c22 w1018 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1935 y4c22 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1936 y4c22 w1019 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1937 y4c22 w101a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _2\"></span>+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bee wdc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1938 y4bee w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4bee w101b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1939 y4bee w101c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bf1 w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193a y4bf1 w101d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsb0 ws101\">7-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x193b y4bf1 w101e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4ac9 wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">Ca<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x193c y4ac9 w101f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x193d h1b y4e3d ff2 fs8 fc1 sc0 ls0 ws0\">C<span class=\"_ _3e0\"> </span></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs669\">* <span class=\"_ _299\"> </span>Grades are not supposed to be linked <span class=\"_ _0\"></span>to each other across the r<span class=\"_ _0\"></span>ating categories above.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs66b\">The table below sho<span class=\"_ _0\"></span>ws the credit quality b<span class=\"_ _0\"></span>y class of<span class=\"_ _0\"></span> asset in the statement of financial po<span class=\"_ _0\"></span>sition, presented in gr<span class=\"_ _0\"></span>oss amounts, based </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs66c\">on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit r<span class=\"_ _0\"></span>ating system.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs66d\">A def<span class=\"_ _0\"></span>aulted financial asset that is past due mor<span class=\"_ _0\"></span>e than 90 days is assessed as a non-performing loan or as de<span class=\"_ _0\"></span>termined on an </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs66e\">individual basis based on other available in<span class=\"_ _0\"></span>formation r<span class=\"_ _0\"></span>egarding financial difficulties of<span class=\"_ _0\"></span> the borrower<span class=\"_ _5\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs66f\">Other financial assets include r<span class=\"_ _0\"></span>eceivables f<span class=\"_ _0\"></span>rom remitt<span class=\"_ _0\"></span>ance operations and other r<span class=\"_ _0\"></span>eceivables.<span class=\"_ _3e0\"> </span></div><div class=\"gs670\"><table class=\"s w1020 h11b\" id=\"_79e58145-053c-49bf-9801-92567e6213eb\"><tr><td class=\"c n x1ca y4c99 w1021 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193f y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1940 y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x142f y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1941 y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1943 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1944 y4aa3 w1027 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,078,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1945 y4aa3 w1028 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,078,242<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs671\"><table class=\"s w1029 h15f\" id=\"_a2e1b493-5fd4-4a3c-a17e-4fa4445de6b1\"><tr><td class=\"c n x1ca y4e3e w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4e3e w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4e3e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1947 y4b45 w102b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>73<span class=\"_ _2\"></span>4,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10eb y4b45 w102c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,734,224<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1948 y4b46 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1949 y4b46 w102d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194a y4aa3 w5be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194b y4aa3 w102e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs672\"><table class=\"s w102f h14c\" id=\"_bdf6e769-dd19-4fb0-b6fe-29eb63f46247\"><tr><td class=\"c n x1ca y4dd9 w1030 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194c y4dd9 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194d y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194e y4b44 wfe2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194f y4b44 w203 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1950 y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1952 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x973 y4aa3 w480 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1953 y4aa3 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs673\"><table class=\"s w610 h160\" id=\"_937683fd-8f24-4fa1-9250-cdae39d751d7\"><tr><td class=\"c n x1ca y4e3f w1033 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e3f w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e3f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1955 y4b44 w1034 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1956 y4b44 w1035 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1957 y4b45 w1036 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,058,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1958 y4b45 w1037 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1959 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195a y4aa3 w1039 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa3 w103a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs674\"><table class=\"s w103b h11d\" id=\"_3782ac42-9f14-4179-bf27-0633998465dd\"><tr><td class=\"c n x1ca y4c9b w103c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4c9b w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4da1 w103d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,388,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1960 y4da1 w238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1961 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4da1 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1962 y4da1 w103e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,457<span class=\"_ _d\"></span>,095<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1963 y4b42 w103f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,389<span class=\"_ _0\"></span>,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1964 y4b42 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,79<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1965 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1966 y4b42 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1967 y4b42 wb4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,449<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b43 w5d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1969 y4b43 w129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">372,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196b y4b43 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">505,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c9d w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">464,<span class=\"_ _0\"></span>999<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196d y4c9d wcc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196e y4c9d w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196f y4c9d w55b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">481,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e40 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b46 w1043 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1973 y4b46 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1974 y4b46 w558 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,845<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs675\"><table class=\"s w1044 h161\" id=\"_4db77139-add7-42cc-b19d-7caa4e401957\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4dc5 w1046 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,3<span class=\"_ _2\"></span>46,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197a y4dc5 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,608<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x197b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197c y4dc5 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197d y4dc5 w1047 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,362<span class=\"_ _2\"></span>,316<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197e y4b41 wb65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197f y4b41 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,712<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1980 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1981 y4b41 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1982 y4b41 w1048 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1983 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1984 y4b42 w104a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x9e1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1985 y4b42 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1986 y4b42 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">208,847<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w104c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1988 y4c0f w104d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">732<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1989 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198a y4c0f w104e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198b y4c0f wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,<span class=\"_ _0\"></span>126<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e41 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198c y4b45 w104f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198d y4b45 w1050 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198e y4b45 w7ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,214<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198f y4b45 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1992 y4adf wcbe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1993 y4adf w1051 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1994 y4adf w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs676\"><table class=\"s w1052 h161\" id=\"_ede9b79c-57c3-42dc-9475-b493f3034c25\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1999 y4b40 w1054 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>80,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199a y4b40 w1055 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199b y4b40 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x899 y4b40 w1056 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,511,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4b41 w1057 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,012,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1143 y4b41 w1058 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199d y4b41 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199e y4b41 w1059 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,086,<span class=\"_ _d\"></span>986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 w105a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a0 y4b42 w569 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a2 y4b42 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w105b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a5 y4b43 w105c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a6 y4b43 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a7 y4b43 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,479<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e42 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b45 w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _5\"></span>,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4b45 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a9 y4b45 w11f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19aa y4b46 w3e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ab y4b46 w105d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ac y4b46 w105e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>18<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w105f h162\" id=\"_1f2363b0-8e5c-45d3-8ef0-0ccbae52fd33\"><tr><td class=\"c n x1ca y4e43 w1060 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4e43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4e43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4e43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4e43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4e43 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b2 y4e44 w1061 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,693,7<span class=\"_ _0\"></span>67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b3 y4e44 w1062 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b4 y4e44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b5 y4e44 w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4e44 w1063 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,704,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b6 y4e45 w52e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>179,<span class=\"_ _0\"></span>793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b7 y4e45 w1064 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _d\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1225 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b8 y4e45 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b9 y4e45 w1065 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,233,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e46 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4e46 w1066 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">233,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bb y4e46 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4e46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bc y4e46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bd y4e46 w1067 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">411,<span class=\"_ _d\"></span>981<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4e47 w1068 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bf y4e47 w1069 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c0 y4e47 w72e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c1 y4e47 wd70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e48 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c2 y4b45 wda2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c3 y4b45 w106a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c4 y4b45 w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,67<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c5 y4adf wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>795<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c6 y4adf w106b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c7 y4adf w106c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs678\"><table class=\"s w103b h163\" id=\"_17e70ae4-b965-43ce-a3c7-063bace4cfb4\"><tr><td class=\"c n x1ca y4e43 w106d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4e43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4e43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4e43 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4e43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4e43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e49 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cc y4e49 w76a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cd y4e49 w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ce y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cf y4e49 w73b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d0 y4e45 w106e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">40,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d1 y4e45 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4e45 w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e4a w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d2 y4e4a w106f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d3 y4e4a wbc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4e4a w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4e47 w1070 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d4 y4e47 w1071 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d5 y4e47 w1072 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,811<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w1073 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d7 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d8 y4b45 w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19da y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19db y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs679\"><table class=\"s w1075 h161\" id=\"_b1c059bf-8b23-4ca9-851f-d9bfa4e797e7\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dc y4b40 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,832<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dd y4b40 w1077 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19df y4b40 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e0 y4b40 wa43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e1 y4b41 w1078 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e2 y4b41 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e3 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e4 y4b41 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b3 y4b41 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,809<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e5 y4b42 w9b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">475<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e6 y4b42 w52c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e7 y4b42 wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e8 y4b42 wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,897<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e9 y4b43 w1079 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4b43 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19eb y4b43 w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>485<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ec y4b45 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4b45 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ed y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ee y4b46 w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ef y4b46 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa3 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa3 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa3 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa3 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs67a\"><table class=\"s w107a h120\" id=\"_7159cbb6-6027-44e4-a640-f91ab6185926\"><tr><td class=\"c n x1ca y4ca0 w107b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4ca0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f3 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f4 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f5 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs67b\"><table class=\"s w1020 h120\" id=\"_9a15f5c5-4379-44ff-a6f9-7b3740434e01\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f7 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90f y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f8 y4aa3 we82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _2\"></span>4,765<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs67c\"><table class=\"s we39 h161\" id=\"_5be700d6-464f-472d-870b-e6922f15340c\"><tr><td class=\"c n x1ca y4d43 w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4b40 w3a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">997<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f9 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ff y4b40 w107e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>97<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a00 y4da1 w107f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _5\"></span>,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a01 y4da1 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18eb y4da1 w3b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _d\"></span>,272<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,715<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a02 y4b42 wb39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">161,350<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a03 y4b42 w1081 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">426,065<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4b43 w1082 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140<span class=\"_ _0\"></span>,467<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b43 w1083 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2ba y4b43 w1084 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4d ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a05 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a07 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,7<span class=\"_ _0\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a08 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a09 y4b46 w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>74<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0a y4aa3 w1085 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _d\"></span>49,<span class=\"_ _0\"></span>726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0b y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,656<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0d y4aa3 w652 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs67d\"><table class=\"s w1086 h164\" id=\"_77cf8b2e-36b4-4b08-acec-b04486bf41ac\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e4e w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e4e w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e4e w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0e y4c0f w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1841 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0f y4c0f w1088 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _d\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a10 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a11 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a13 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4b45 w108a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a16 y4b45 w108b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a18 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a19 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1a y4aa3 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1b y4aa3 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _0\"></span>,545<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs67e\"><table class=\"s w108d h165\" id=\"_7fc698ba-db59-447b-95fc-3b2e8160aac4\"><tr><td class=\"c n x1ca y4e4f w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4e4f w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4e4f w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e4f w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4e4f w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4e4f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1a w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1d y4e1a w605 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,644<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1e y4e1a w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1f y4e1a w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4e1a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a20 y4e1a we8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,871<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1b w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a21 y4e1b w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240,<span class=\"_ _d\"></span>974<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4e1b w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,203<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a23 y4e1b w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e50 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4e50 w108f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,791<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4e50 w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4e50 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a25 y4e50 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a26 y4e50 w65e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a27 y4e1d w1090 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>1,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a28 y4e1d w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2a y4e1d wb38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,583<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e51 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e52 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4e52 w661 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>,76<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2b y4e52 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2c y4e52 w1091 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,771<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2d y4aa3 w1092 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,004,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2e y4aa3 w1093 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2f y4aa3 w1094 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,776<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a30 y4aa3 wcb9 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a31 y4aa3 wf12 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,014,951<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w1095 h166\" id=\"_c886010e-976b-4812-8deb-aaf91b6681fb\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a32 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a33 y4c99 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a34 y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a35 y4b43 w1096 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372,6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a36 y4b43 w1097 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372<span class=\"_ _2\"></span>,649<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a37 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4b45 w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3a y4b45 w23d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3b y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fd y4aa3 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3c y4aa3 w109a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs680\"><table class=\"s w109b h14c\" id=\"_88fcb3cf-e376-4b65-b058-33f14b0e7d97\"><tr><td class=\"c n x1ca y4dd9 w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3d y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4dd9 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a40 y4b44 w109c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,396,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a41 y4b44 wa9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,396,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a42 y4b45 w67f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,8<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a43 y4b45 w109d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a44 y4adf wdb9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a45 y4adf w109e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a46 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,438,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a47 y4aa3 w10a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,438,346<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs681\"><table class=\"s w10a1 h14c\" id=\"_66aa6327-ec33-4afa-889e-eeabec177a53\"><tr><td class=\"c n x1ca y4dd9 w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a48 y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a49 y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4a y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4b y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4c y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4e y4adf w2a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4f y4adf wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4adf w10a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a50 y4aa3 w10a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a51 y4aa3 wcdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6 y4aa3 w5f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>962,535<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs682\"><table class=\"s wd83 h161\" id=\"_f01b4150-47d1-43bb-b2a6-69ee988dd5e5\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a52 y4dc5 w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,484<span class=\"_ _2\"></span>,436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a53 y4dc5 w10a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93f y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a54 y4dc5 w60d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,563,253<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4b41 w10a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _2\"></span>66,457<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x807 y4b41 w10a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a55 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a56 y4b41 w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a57 y4b41 w10a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _0\"></span>041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a58 y4b42 w10a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a59 y4b42 w10aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _2\"></span>1,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5a y4b42 w10ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5b y4b42 w10ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">631,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w10ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">322,<span class=\"_ _d\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5c y4c0f w44a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,341<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5d y4c0f w8ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5e y4c0f w10ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">343,066<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e53 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 wb79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a60 y4b45 wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a61 y4b45 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184,<span class=\"_ _d\"></span>114<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a62 y4adf w10af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a63 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a64 y4adf wacd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4aa3 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4aa3 w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs683\"><table class=\"s w10b0 h161\" id=\"_9ea56212-9baf-4c67-a8f4-86cfdfde568d\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a65 y4b40 w10b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>020,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a66 y4b40 w10b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b40 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a68 y4b40 w10b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,047<span class=\"_ _5\"></span>,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a69 y4b41 w10b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">657<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6a y4b41 w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6b y4b41 wd24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6c y4b41 wa1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">698,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6d y4b42 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,764<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6e y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6f y4b42 wb83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a70 y4b42 we1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4b43 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a72 y4b43 w10b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a73 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a74 y4b43 wfe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e54 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a75 y4b45 w10b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a76 y4b45 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a77 y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a79 y4b46 w10b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>474<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7a y4b46 w10ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7b y4aa3 wfdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7c y4aa3 w6d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,65<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7d y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7e y4aa3 wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs684\"><table class=\"s w10bb h161\" id=\"_29a9181d-82f7-4d61-9302-7bcffa8ac430\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7f y4b40 w10bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,026,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a80 y4b40 w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,580<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a81 y4b40 w10bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a82 y4b40 w10be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,070,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4da1 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,022,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a83 y4da1 w45c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">6<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a84 y4da1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a85 y4da1 w10bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,091,082<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a86 y4b42 w10c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">145,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a87 y4b42 w10c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,7<span class=\"_ _0\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a88 y4b42 w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a89 y4b42 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,893<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w10c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281,391<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8a y4b43 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8b y4b43 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8c y4b43 w10c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">207<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8d y4b43 w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e55 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8e y4b45 w151 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,<span class=\"_ _d\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8f y4b45 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a90 y4b45 w10c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a92 y4b46 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a93 y4b46 w10c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>768<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4aa3 w73b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a94 y4aa3 w10c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs685\"><table class=\"s w37c h161\" id=\"_bf66f877-f170-4783-852a-138c2cdd584f\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a95 y4dc5 w10c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,003,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a96 y4dc5 w10c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a97 y4dc5 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4dc5 w10ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,295<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">872<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9a y4b41 w10cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _0\"></span>737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9b y4b41 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b41 w10cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>13,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9c y4b42 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _d\"></span>,751<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9e y4b42 wd45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9f y4b42 w10cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _2\"></span>4,691<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c0f w10ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">164<span class=\"_ _2\"></span>,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa0 y4c0f w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa1 y4c0f w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa2 y4c0f w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e56 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w10d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa4 y4b45 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa5 y4b45 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa6 y4adf w106a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa7 y4adf wbe7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa8 y4adf w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa9 y4aa3 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaa y4aa3 wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,99<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aab y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s we99 h13c\" id=\"_22526500-bfdd-43bc-8b87-100bc7713eec\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aac y4b40 w10d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aad y4b40 w6c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaf y4b40 wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab0 y4b41 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab1 y4b41 w10d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab2 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab3 y4b41 w10d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,533<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 wd0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab4 y4b42 w10d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab5 y4b42 w10d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,848<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab6 y4b43 w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab7 y4b43 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab8 y4b43 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab9 y4b43 wb83 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e57 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aba y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abb y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abc y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abd y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abf y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac0 y4aa3 w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac1 y4aa3 w7f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs687\"><table class=\"s w10d6 h167\" id=\"_81ec2892-9052-46cb-bda6-5f718fa0cbdf\"><tr><td class=\"c n x1ca y4dcb w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4dcb w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4dcb w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4dcb w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4dcb w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4dcb w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac2 y4b41 w10d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac3 y4b41 w10d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac4 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4b41 w10d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac6 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b4 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac7 y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac8 y4c0f w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac9 y4c0f w10da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aca y4c0f w5e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e58 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acb y4b45 we53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,814<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acc y4b45 w10db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b45 wc5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ace y4adf w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acf y4adf w444 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad0 y4adf wd0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,5<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad1 y4aa3 w10dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad2 y4aa3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad3 y4aa3 w10de hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4aa3 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad4 y4aa3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs688\"><table class=\"s w10df h120\" id=\"_98066e8c-d4cc-4f66-be58-98f7747ab9b7\"><tr><td class=\"c n x1ca y4ca0 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad5 y4ca0 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad6 y4ca0 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad7 y4ca0 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad8 y4ca0 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4ca0 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad9 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ada y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adb y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adc y4aa3 w10e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ade y4aa3 w10e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _0\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs689\"><table class=\"s w449 h168\" id=\"_c0491a9d-02c9-485e-a48b-97ecb3b231cc\"><tr><td class=\"c n x1ca y4e59 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adf y4e59 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4e59 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae0 y4e59 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae1 y4e59 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae2 y4e59 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4adf w98b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x359 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae3 y4adf w10e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae4 y4aa3 w10e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae5 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae6 y4aa3 w10e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs68a\"><table class=\"s w10e6 h11d\" id=\"_ffc9d3c1-1c53-4780-995a-3350fc0e687f\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4c9b w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b41 w10e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>049<span class=\"_ _0\"></span>,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae8 y4b41 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae9 y4b41 w10e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,049<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aea y4b42 w10e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aeb y4b42 w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aec y4b42 w10ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">246,27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b43 w85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aed y4b43 w10eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aef y4b43 w4c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">244,080<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b44 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af0 y4b44 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af2 y4b44 w10ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5a ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af3 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af4 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af5 y4aa3 w10ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,678,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af6 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,668<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af7 y4aa3 w10ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af8 y4aa3 w10f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _2\"></span>17<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs68b\"><table class=\"s w10f1 h14c\" id=\"_e797c790-9757-4977-a9dc-493249f5b024\"><tr><td class=\"c n x1ca y4dd9 w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4dd9 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4dd9 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4dd9 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4dd9 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4dd9 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af9 y4b44 w10f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,091<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4b44 waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,091<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afa y4b45 w10f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afb y4b45 w10f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,6<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w10f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afc y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afd y4adf w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afe y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x827 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs68c\"><table class=\"s w10f7 h161\" id=\"_90c3e56a-24f3-422f-a3cb-91ee0988f8a8\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4dc5 w10f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aff y4dc5 w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b00 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b01 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1118 y4dc5 w10f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,4<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w10fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b02 y4b41 w10fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1989 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b03 y4b41 w10fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,087<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b04 y4b42 w10fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4b42 w10fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b05 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4b42 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b06 y4c0f w10ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b07 y4c0f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b09 y4c0f w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1111 y4c0f w1100 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,219<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4b45 wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0a y4b45 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0b y4b45 w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,538<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0c y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0d y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0e y4aa3 w1101 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0f y4aa3 w1102 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b10 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w1103 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ee y4aa3 w1104 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _0\"></span>,061<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w1105 h166\" id=\"_c0a2d07f-d502-4896-a4fc-d67a3fd96e0e\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1774 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b11 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b12 y4b44 w1106 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _d\"></span>953<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b13 y4b44 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b14 y4b45 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b15 y4b45 w1107 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x283 y4b46 w1108 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209<span class=\"_ _0\"></span>,548<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4b46 w1109 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 w110a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">7<span class=\"_ _0\"></span>69,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4aa3 w110b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">769<span class=\"_ _d\"></span>,52<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs68e\"><table class=\"s w110c h11c\" id=\"_f9f4fe34-0fad-413e-9208-c1ee35c969a8\"><tr><td class=\"c n x1ca y4c9a w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4c9a w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4c9a w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b17 y4ade w110d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>903,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b18 y4ade w110e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,90<span class=\"_ _0\"></span>3,301<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b19 y4adf w510 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _2\"></span>420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1a y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1b y4aa3 w110f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>1,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1c y4aa3 w837 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,931,<span class=\"_ _0\"></span>721<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs68f\"><table class=\"s w1110 h164\" id=\"_a2ea9533-0529-4d5d-8eba-65636c6c7103\"><tr><td class=\"c n x1ca y4e4e w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e4e w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e4e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1d y4c0f w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1e y4c0f w1112 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,369<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1f y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b20 y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b21 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b22 y4ade wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b23 y4adf w7e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b24 y4adf w1113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,<span class=\"_ _d\"></span>948<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b25 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,589<span class=\"_ _0\"></span>,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b26 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,589,228<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs690\"><table class=\"s w108d h161\" id=\"_5503c237-8f3c-4fd4-9724-a1736f5055d7\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b40 w1115 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,815,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b27 y4b40 w1116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b28 y4b40 wc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,827<span class=\"_ _d\"></span>,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b29 y4da1 w1117 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2a y4da1 wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2b y4da1 w1027 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,485,005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2c y4b42 w1118 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">369<span class=\"_ _d\"></span>,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2d y4b42 wbe6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2e y4b42 w1119 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2f y4b42 w99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">552,423<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b30 y4b43 w111a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">430,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b31 y4b43 w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,536<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4b43 wd11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b32 y4b43 w79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">454<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w111b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b33 y4b45 w111c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b34 y4b45 w111d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b35 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b36 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b37 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1511 y4aa3 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b38 y4aa3 w111e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,184<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs691\"><table class=\"s wd7a h169\" id=\"_7b10725e-2d92-4516-8679-26a36f1cfc6e\"><tr><td class=\"c n x1ca y4e5d w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e5d w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e5d w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e5d w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e5d w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e5d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b39 y4dc5 w111f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,751,<span class=\"_ _d\"></span>165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3a y4dc5 w1120 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4dc5 w1121 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3d y4dc5 w1122 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,820,462<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3e y4b41 w1123 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b41 w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b40 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b41 y4b41 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b42 y4b41 w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">705,513<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1124 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b43 y4b42 w1125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _2\"></span>454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b44 y4b42 w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4b42 w1127 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4c0f w1128 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b45 y4c0f w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b46 y4c0f wc2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,<span class=\"_ _0\"></span>917<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5e ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w1129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _d\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b48 y4b45 w112a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b49 y4b45 wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,374<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4a y4adf w311 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4adf w112b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4aa3 w112c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4b y4aa3 w864 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4c y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs692\"><table class=\"s w103b h161\" id=\"_c62b40cb-63a6-4c0b-85b3-3484c5097622\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4d y4b40 w112d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>733,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4e y4b40 wea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4f y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b50 y4b40 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b51 y4b40 w16d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,837<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b52 y4b41 w112e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">932,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b53 y4b41 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b54 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b55 y4b41 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b56 y4b41 w112f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,024,328<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b57 y4b42 w597 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,<span class=\"_ _0\"></span>045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4b42 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4b42 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b58 y4b42 w1130 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b59 y4b43 w1131 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">506,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5a y4b43 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>740<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5b y4b43 w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5c y4b43 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">536,<span class=\"_ _0\"></span>110<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5f ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5d y4b45 w592 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>125<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5e y4b45 w1132 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w1133 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5f y4b46 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b46 w1134 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa3 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b61 y4aa3 wabd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs693\"><table class=\"s w1135 h161\" id=\"_88851f93-ee10-4045-824a-d8e536057d76\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b62 y4b40 wbdd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114b y4b40 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b63 y4b40 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b64 y4b40 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b65 y4da1 w1136 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">758,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b66 y4da1 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b67 y4da1 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1223 y4da1 w1137 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,<span class=\"_ _0\"></span>150<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w675 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">272,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b68 y4b42 w5e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4b42 w595 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4b42 w1138 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b43 wd2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">189<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b69 y4b43 w1139 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">96<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6a y4b43 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b43 wad8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e60 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w113a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6b y4b45 w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6c y4b45 w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6d y4b46 w113b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6e y4b46 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6f y4aa3 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b70 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s wf4c h13c\" id=\"_c9f345a4-12c1-4e9e-a412-e0abe6031baa\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b71 y4b40 w78a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b72 y4b40 wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b73 y4b40 w22c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,776<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b74 y4b41 w113d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4b41 w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b75 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b76 y4b41 w113e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">44<span class=\"_ _2\"></span>,596<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4b42 w113f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b77 y4b42 w1140 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x945 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b78 y4b42 wa96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,85<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w1dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,677<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1980 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7a y4b43 w1141 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,677<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e61 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7b y4b45 w1142 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7c y4b45 w1143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7d y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7e y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7f y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b80 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs695\"><table class=\"s w1145 h161\" id=\"_5950f0fc-27df-4179-ad9c-8425a5c79919\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b81 y4b40 w1146 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b82 y4b40 w825 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b83 y4b40 w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b84 y4da1 w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b85 y4da1 wd2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b86 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b87 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4da1 w3a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,0<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b88 y4b42 w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b89 y4b42 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,850<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8a y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8b y4b42 wf1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,365<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8c y4b43 wc99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,780<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8d y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4b43 w217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e62 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8e y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8f y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b90 y4b46 w5ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b91 y4b46 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b92 y4b46 wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,589<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa3 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa3 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa3 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs696\"><table class=\"s wdae h168\" id=\"_2967eb14-da25-414f-838c-8041dbc8fabd\"><tr><td class=\"c n x1ca y4e59 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4e59 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4e59 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b93 y4adf w1147 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b94 y4adf w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4aa3 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1803 y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs697\"><table class=\"s w1075 h120\" id=\"_8ab5d28c-111e-487b-89ce-7aced282d7cf\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4adf w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b96 y4adf w1148 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b97 y4aa3 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b98 y4aa3 w1149 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs698\"><table class=\"s w114a h11d\" id=\"_15f52c9d-97a6-4610-90f9-c3ce757bbd9b\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4c9b w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9d y4b41 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4b41 w55d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x619 y4b41 w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">331,944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9f y4b42 wb37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba0 y4b42 wb19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,799<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba1 y4b42 w114b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba2 y4b43 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba3 y4b43 w114c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,33<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4b43 w114d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,710<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba5 y4b44 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba6 y4b44 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba7 y4b44 w114e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _d\"></span>188<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e63 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baa y4b46 w114f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bab y4b46 w1150 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bac y4aa3 w1151 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,650<span class=\"_ _0\"></span>,690<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bad y4aa3 w1152 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _2\"></span>479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bae y4aa3 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baf y4aa3 w1153 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,686,913<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs699\"><table class=\"s w1154 h164\" id=\"_b4d91767-4569-4b50-a8c7-de21a0d39fba\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb0 y4e4e w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb1 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4e4e w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb2 y4c0f w1155 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb3 y4c0f w1156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb4 y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb5 y4ade w1157 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb7 y4ade w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb8 y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bba y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbb y4aa3 wc55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbc y4aa3 w1158 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,676<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs69a\"><table class=\"s w1135 h161\" id=\"_8c6061a6-7bcb-40ab-97c0-2da3f2bab1fc\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4d43 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbd y4b40 w1159 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">581,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbe y4b40 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbf y4b40 w93a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582,725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc0 y4b41 wd62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121,37<span class=\"_ _d\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc1 y4b41 w115a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc2 y4b41 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc3 y4b42 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc4 y4b42 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc5 y4b42 w115b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,547<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc6 y4b43 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc7 y4b43 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4b43 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112a y4b43 w115c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e64 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc8 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc9 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bca y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcb y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcc y4b46 wf50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcd y4b46 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bce y4aa3 w115d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">799,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcf y4aa3 w115e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd0 y4aa3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd1 y4aa3 w115f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">809<span class=\"_ _0\"></span>,481<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs69b\">T<span class=\"_ _0\"></span>ypes of collater<span class=\"_ _0\"></span>al the Group acc<span class=\"_ _0\"></span>epts include real estate and mov<span class=\"_ _0\"></span>able properties as well as financial assets (<span class=\"_ _d\"></span>deposits, shares and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs69c\">guarantees<span class=\"_ _0\"></span>) and other register<span class=\"_ _0\"></span>ed liens. Measurement and pr<span class=\"_ _0\"></span>ocessing of collater<span class=\"_ _0\"></span>al is governed by<span class=\"_ _0\"></span> generally<span class=\"_ _0\"></span> acceptable standar<span class=\"_ _0\"></span>ds </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs69d\">and collateral-specific ins<span class=\"_ _0\"></span>tructions. These tr<span class=\"_ _0\"></span>ansactions are structured under legally<span class=\"_ _0\"></span> verified standar<span class=\"_ _0\"></span>d agreements wher<span class=\"_ _0\"></span>e the pledges </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs69e\">are secur<span class=\"_ _0\"></span>ed through public r<span class=\"_ _0\"></span>egistr<span class=\"_ _2\"></span>y wher<span class=\"_ _0\"></span>e eligible. The <span class=\"_ _0\"></span>following table sho<span class=\"_ _0\"></span>ws the ratio of <span class=\"_ _0\"></span>the loan portfolio to the mark<span class=\"_ _0\"></span>et value of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs69f\">collateral held b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup in respect of <span class=\"_ _0\"></span>the portfolio. As at 31 December<span class=\"_ _0\"></span> 2023, up to 80.<span class=\"_ _d\"></span>1% of the collat<span class=\"_ _0\"></span>eral held has been rev<span class=\"_ _0\"></span>alued </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6a0\">within the last two <span class=\"_ _0\"></span>years (2022: 78.6%, 2021: 7<span class=\"_ _0\"></span>6.0%). F<span class=\"_ _0\"></span>or residential mortgage loans, in cases <span class=\"_ _0\"></span>where the collater<span class=\"_ _0\"></span>al for<span class=\"_ _0\"></span> a loan may not </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6a1\">be officially<span class=\"_ _0\"></span> register<span class=\"_ _0\"></span>ed until its construction is complete, <span class=\"_ _0\"></span>the respective loan is shown as unsecur<span class=\"_ _0\"></span>ed, even though it is usually secur<span class=\"_ _0\"></span>ed </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6a2\">by<span class=\"_ _0\"></span> the corporate guar<span class=\"_ _0\"></span>antee of the c<span class=\"_ _0\"></span>onstruction company<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"gs94\"><table class=\"s w1160 h16a\" id=\"_bb523984-f0d7-42bc-8ce9-cc4bd289c68a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e65 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e66 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e67 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e68 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e6a w1166 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e6a w1167 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e6b ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdf y4e6c w1168 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be0 y4e6c w96b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">837<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be1 y4e6c w1169 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,235,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be2 y4e6c w116a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be3 y4e6c w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _5\"></span>,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be4 y4e6c w116b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">370,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be5 y4e6c w116c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>454,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be6 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be7 y4e6c w116d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">538,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e6d w44e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be9 y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.62%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bea y4e6d w1170 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1beb y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bec y4e6d w57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.21%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bed y4e6d wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.63%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bee y4e6d w1171 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bef y4e6d w489 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf0 y4e6d w1172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf1 y4e6d w1173 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.54%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e6e ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf2 y4e6f w623 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf3 y4e6f wd6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf4 y4e6f w1175 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf5 y4e6f w1176 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>997<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf6 y4e6f w521 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13,407<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf7 y4e6f w605 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">533,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf8 y4e6f w27d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">175,455<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf9 y4e6f w1177 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _39\"></span>83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfa y4e6f w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfb y4e6f w8b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfc y4e70 w1178 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfd y4e70 w1179 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.22%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfe y4e70 w117a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e70 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c00 y4e70 wb1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c01 y4e70 w117b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c02 y4e70 w70e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c03 y4e70 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c04 y4e70 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.28%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c05 y4e70 w117d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.09%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c06 y4e71 w117f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,0<span class=\"_ _0\"></span>73,022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c07 y4e71 w1180 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _0\"></span>068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c08 y4e71 w1181 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c09 y4e71 w1182 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>131,6<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0a y4e71 w1183 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">358,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0b y4e71 we1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">314,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0c y4e71 w7d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,<span class=\"_ _0\"></span>784<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0d y4e71 w1184 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0e y4e71 w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0f y4e71 w1185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,060<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4b08 w1186 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c11 y4b08 w1187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.03%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c12 y4b08 w1188 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c13 y4b08 wb91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c14 y4b08 w1189 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c15 y4b08 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c16 y4b08 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c17 y4b08 w2a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c18 y4b08 w118a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c19 y4b08 w118b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.75%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1a y4e72 w118c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">4,69<span class=\"_ _2\"></span>9,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1b y4e72 w118d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,266,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1c y4e72 wcd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,573<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1d y4e72 w118e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">919,5<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1e y4e72 w118f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">330,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1f y4e72 wb63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _d\"></span>,059<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c20 y4e72 w1190 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _5\"></span>,651<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c21 y4e72 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c22 y4e72 w172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1125 y4e72 w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,285<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c23 y4e73 w1191 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c24 y4e73 w1192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.<span class=\"_ _0\"></span>16%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c25 y4e73 w1193 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c26 y4e73 w1194 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c27 y4e73 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c28 y4e73 w1195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c29 y4e73 w470 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.61%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2a y4e73 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2b y4e73 w4f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2c y4e73 w48c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.62%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2d y4e74 w629 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2e y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2f y4e74 w1196 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,362<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c30 y4e74 w1197 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c31 y4e74 w105a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c32 y4e74 w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c33 y4e74 w1198 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c34 y4e74 wf7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1821 y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c35 y4e74 wa4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e75 w300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c37 y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c38 y4e75 w1199 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c39 y4e75 w2aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3a y4e75 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3b y4e75 w119a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3c y4e75 w119b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3d y4e75 w618 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3e y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3f y4e75 w119c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81.82%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e76 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c40 y4aa3 w119e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c41 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>450,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c42 y4aa3 w11a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,038,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c43 y4aa3 w11a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>16,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c44 y4aa3 w11a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,693,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c45 y4aa3 w11a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,476,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c46 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699,872<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c47 y4aa3 w11a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">632,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c48 y4aa3 w11a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa8 ws18\">16<span class=\"_ _0\"></span>9<span class=\"_ _d\"></span>,444<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c49 y4aa3 w11a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">620,510<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs6a4\"><table class=\"s w1160 h16a\" id=\"_d8a2b4ba-6485-48a9-aba9-0b6b351d2cf0\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e77 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e78 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e79 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e7a ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e7c w1163 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e7c w1164 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e7c w1165 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e7c waf1 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e7c w16d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e7c w1166 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e7c w1167 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e7d ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e7e w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4a y4e7e w11a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4b y4e7e w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4c y4e7e w11a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,037<span class=\"_ _5\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4d y4e7e w11aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">900,866<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4e y4e7e w6fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4e7e w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">245,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4f y4e7e w11ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,243,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c50 y4e7e w940 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c51 y4e7e we07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c52 y4e7e w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,<span class=\"_ _d\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4e6d w465 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c53 y4e6d w11ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c54 y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c55 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c56 y4e6d w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c57 y4e6d w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c58 y4e6d w11ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>14%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c59 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5a y4e6d w11af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5b y4e6d w11b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.01%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e7f ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5c y4e6f w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5d y4e6f w11b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5e y4e6f w11b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,0<span class=\"_ _0\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5f y4e6f w11b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _0\"></span>,064<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c60 y4e6f w11b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">532<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c61 y4e6f w11b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c62 y4e6f w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c63 y4e6f w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>114<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c64 y4e6f w11b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c65 y4e6f w11b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>483<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e80 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e80 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c66 y4e80 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c67 y4e80 w1193 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c68 y4e80 w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c69 y4e80 w11b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4e80 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6b y4e80 w474 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.0<span class=\"_ _0\"></span>7%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6c y4e80 w11ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6d y4e80 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6e y4e80 w11bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.06%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e81 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6f y4e81 wad7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c70 y4e81 w11bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">405,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c71 y4e81 w11bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,<span class=\"_ _0\"></span>724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c72 y4e81 w507 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c73 y4e81 w6db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">278,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c74 y4e81 w11be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,462<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c75 y4e81 w11bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">800<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c76 y4e81 wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c77 y4e81 w456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c78 y4e81 w11c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,084<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4b08 w11c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c79 y4b08 waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7a y4b08 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7b y4b08 w11c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">0.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7c y4b08 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7d y4b08 w11c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _2\"></span>48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7e y4b08 w11c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7f y4b08 wb89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c80 y4b08 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c81 y4b08 w11c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.88%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c82 y4e72 w11c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c83 y4e72 w11c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,794,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c84 y4e72 w799 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">629<span class=\"_ _0\"></span>,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c85 y4e72 w11c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">694,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c86 y4e72 w11c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">217<span class=\"_ _d\"></span>,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c87 y4e72 w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">174,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c88 y4e72 waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c89 y4e72 w11ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8a y4e72 w11cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8b y4e72 w11cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e82 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8c y4e82 w473 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8d y4e82 w11cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8e y4e82 w312 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.03<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8f y4e82 w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c90 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c91 y4e82 w470 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c92 y4e82 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c93 y4e82 w11cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c94 y4e82 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c95 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.53%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c96 y4e74 w11d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c97 y4e74 w11d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c98 y4e74 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,589<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c99 y4e74 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9a y4e74 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4e74 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9b y4e74 w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9c y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9d y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9e y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4e75 w11d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca0 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca1 y4e75 wcd9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50.54%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca2 y4e75 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca3 y4e75 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca4 y4e75 w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca5 y4e75 w11d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca6 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca7 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x27e y4e75 w11d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84.21%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e83 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfd\"><div class=\"t m1 x1c5 h1b y4af4 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca8 y4aa3 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca9 y4aa3 we23 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,034,154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caa y4aa3 w11d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,542,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cab y4aa3 w11d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,478,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cac y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cad y4aa3 w88d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>4,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cae y4aa3 w11d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358,<span class=\"_ _2\"></span>432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caf y4aa3 w11d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">427<span class=\"_ _d\"></span>,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb0 y4aa3 w55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">105,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb1 y4aa3 w11d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">729<span class=\"_ _0\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs6a5\"><table class=\"s w1160 h16a\" id=\"_6e1b7ef2-66c2-4655-986f-682767f0603a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e84 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e85 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e86 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e87 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb2 y4e6a w11da h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb3 y4e6a w848 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">300-<span class=\"_ _2\"></span>400%</div></td><td class=\"t m1 x627 h77 y4e89 ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb4 y4e6c w11db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb5 y4e6c w1068 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">67<span class=\"_ _2\"></span>0,741<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb6 y4e6c w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">474,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb7 y4e6c w11dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,396,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb8 y4e6c w11dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>960<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb9 y4e6c w11de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,<span class=\"_ _0\"></span>995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cba y4e6c w11df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbb y4e6c w11e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">814<span class=\"_ _2\"></span>,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbc y4e6c w11e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _5\"></span>,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4e6c w11e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">399<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>99<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbd y4e6d w11e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbe y4e6d w11e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbf y4e6d w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc0 y4e6d w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.04%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc1 y4e6d w11e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">2.<span class=\"_ _0\"></span>71%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc2 y4e6d w117d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc3 y4e6d wcde hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc4 y4e6d w459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc5 y4e6d w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>17%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8a ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc6 y4e6f w11e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc7 y4e6f wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc8 y4e6f w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">715,692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc9 y4e6f w11e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,556,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cca y4e6f w11e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">651,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccb y4e6f w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519,<span class=\"_ _d\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccc y4e6f w11ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">440,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccd y4e6f w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cce y4e6f w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccf y4e6f w11eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,26<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd0 y4e70 w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd1 y4e70 w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd2 y4e70 w11ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd3 y4e70 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd4 y4e70 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd5 y4e70 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd6 y4e70 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.41%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd7 y4e70 w1173 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd8 y4e70 w11ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _d\"></span>15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd9 y4e70 w11ee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.32%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cda y4e71 wb0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,731,<span class=\"_ _0\"></span>756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdb y4e71 w11ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _0\"></span>,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdc y4e71 w8e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">725,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdd y4e71 w11f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">933,874<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cde y4e71 w11f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">272,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdf y4e71 w11f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce0 y4e71 w54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">835,894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce1 y4e71 w370 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">90<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce2 y4e71 w11f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce3 y4e71 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4b08 w1192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>99%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce4 y4b08 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.89%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce5 y4b08 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce6 y4b08 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.27%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce7 y4b08 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4b08 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce8 y4b08 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce9 y4b08 w489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cea y4b08 w11f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ceb y4b08 w11f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cec y4e72 w11f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ced y4e72 w11f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,560,864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cee y4e72 w11f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">443,343<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cef y4e72 w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">514,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf0 y4e72 w11fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf1 y4e72 we6f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf2 y4e72 w98f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf3 y4e72 wdd6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf4 y4e72 w6e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf5 y4e72 w11fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4,02<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e73 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf6 y4e73 w11fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf7 y4e73 w11fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf8 y4e73 w1187 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf9 y4e73 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfa y4e73 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfb y4e73 w11fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.67%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfc y4e73 w11ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfd y4e73 w1200 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfe y4e73 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cff y4e74 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d00 y4e74 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d01 y4e74 wb81 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d02 y4e74 w1201 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _d\"></span>,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d03 y4e74 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,095<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d04 y4e74 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d05 y4e74 w1202 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d06 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d07 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d08 y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e75 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d09 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0a y4e75 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0b y4e75 w1203 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0c y4e75 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0d y4e75 wada hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>47%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0e y4e75 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">2.48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0f y4e75 w2b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d10 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d11 y4e75 w1204 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8b ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d12 y4aa3 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d13 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,755,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d14 y4aa3 w1205 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,363,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d15 y4aa3 w1206 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>438,544<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d16 y4aa3 w1207 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,387<span class=\"_ _d\"></span>,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d17 y4aa3 w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,235,<span class=\"_ _2\"></span>489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d18 y4aa3 w1209 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,602,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d19 y4aa3 w120a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">920,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1a y4aa3 w120b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">237<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1b y4aa3 w120c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">513,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td></tr></table></div>Carrying amount per class of financial asse<span class=\"_ _0\"></span>ts whose terms have been r<span class=\"_ _0\"></span>enegotiated<span class=\"_ _3e0\"> </span>During the y<span class=\"_ _0\"></span>ear<span class=\"_ _d\"></span>, the Group modified the con<span class=\"_ _0\"></span>tractual cash flows on c<span class=\"_ _0\"></span>ertain loans and advances to customers. All such loans had previously<span class=\"_ _0\"></span> been transf<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>o at least Stage 2, with a loss allowance measured at an amoun<span class=\"_ _0\"></span>t equal to lifetime ECLs.<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table provides in<span class=\"_ _0\"></span>formation on financial asse<span class=\"_ _0\"></span>ts that were modified <span class=\"_ _0\"></span>while they<span class=\"_ _0\"></span> had a loss allowance measured at an amount equal to lif<span class=\"_ _0\"></span>etime ECL:<span class=\"_ _3e0\"> </span>Financial assets modified during 2023:<span class=\"_ _3e0\"> </span><table class=\"s w120d h16b\" id=\"_1f30137d-464d-49ec-a906-d82d349ba94f\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e8d ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e8d ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1f y4a9c wb35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d20 y4a9c w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d21 y4cb6 w120e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,84<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d22 y4cb6 w120f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(131)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d23 y4a9e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4a9e wda5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,362)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w1210 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">287<span class=\"_ _5\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9f w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d25 y4b3b w4bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,211,181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d26 y4b3b w1212 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d27 y4b46 wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d28 y4b46 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d29 y4aa3 w1213 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,212,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2a y4aa3 w1214 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,547)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified during 2022:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h16b\" id=\"_c0708a43-9de7-4b75-9cd1-01e42b512b37\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e90 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e90 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2b y4a9c w1215 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">621,<span class=\"_ _0\"></span>067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2c y4a9c w1216 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4a9d w310 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,863<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4a9d w1217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,081)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2d y4a9e w1218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2e y4a9e w555 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,524)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2f y4a9f w1219 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">305,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4a9f w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,835)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d31 y4b3b w121a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d32 y4b3b w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d33 y4aa3 w121b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>174,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d34 y4aa3 w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified during 2021:<span class=\"_ _3e0\"> </span><table class=\"s w736 h16b\" id=\"_f5a42214-5014-4af7-aca0-5aa91a147e03\"><tr><td></td><td class=\"t m1 x12ed h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e93 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e93 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d35 y4a9c w121c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d36 y4a9c w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d37 y4a9d w121d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132<span class=\"_ _2\"></span>,638<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d38 y4a9d w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d39 y4a9e w10a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">243,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3a y4a9e wc82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>185)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,896<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3b y4a9f w121e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">(9,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3c y4b3b w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3d y4b3b w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3e y4aa3 w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3f y4aa3 w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr></table>The gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of loans that hav<span class=\"_ _0\"></span>e previously<span class=\"_ _0\"></span> been modified (when they<span class=\"_ _0\"></span> were in Stage 2 or<span class=\"_ _0\"></span> 3) which are no<span class=\"_ _0\"></span>w categorised as Stage 1, with loss allow<span class=\"_ _0\"></span>ance measured at an amount equal to 12 mon<span class=\"_ _0\"></span>ths expected losses, are shown in <span class=\"_ _0\"></span>the table below:<span class=\"_ _3e0\"> </span>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2023<span class=\"_ _3e0\"> </span><table class=\"s w7f3 h16c\" id=\"_4f1af083-351e-43ce-b8e1-0f6c5f23b93f\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e96 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e96 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d41 y4a9c w1221 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _d\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9c w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(255)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4a9d w1222 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,<span class=\"_ _d\"></span>193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d42 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4a9e w1223 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _d\"></span>912<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d43 y4a9e w1224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d44 y4a9f w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d45 y4a9f w1225 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,4<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4b3b w1226 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d46 y4aa3 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d47 y4aa3 w1227 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>53<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6b7\">Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2022<span class=\"_ _3e0\"> </span></div><div class=\"gs94\"><table class=\"s w1228 h16d\" id=\"_3d754956-620c-4a9c-9e23-6c6e688e6cfd\"><tr><td></td><td class=\"t m1 x10bf h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e98 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e98 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d48 y4a9c w1229 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d49 y4a9c wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4a9d w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72,919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4a9d w122a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(10<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4a9e w1088 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4a y4a9e w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4a9f w122b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4b y4a9f w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(204)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _2\"></span>426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4c y4b3b w3d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4d y4aa3 w122c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4e y4aa3 w122d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6b8\">Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2021<span class=\"_ _3e0\"> </span></div><div class=\"gs6b9\"><table class=\"s wf43 h16c\" id=\"_a6bbeb42-90e5-4c8f-a4f8-88e16baa94bb\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e99 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e99 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4f y4a9c w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1169 y4a9c w90c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d50 y4a9d w122e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d51 y4a9d w122f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(231)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d52 y4a9e w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d53 y4a9e wd2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d54 y4a9f w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,063<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d55 y4a9f w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(633)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4b3b wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d56 y4b3b w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d57 y4aa3 wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d58 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ba\">The geographical c<span class=\"_ _0\"></span>oncentration of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assets and liabilities is set out below:<span class=\"_ _3e0\"> </span></div><div class=\"gs6bb\"><table class=\"s w1020 h16e\" id=\"_3933e3c4-9cb3-45b1-8780-fc52d7cff0fa\"><tr><td></td><td></td><td class=\"t m1 x1d59 h77 y4e9a ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d40 h77 y4e9b ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d5a h77 y4e9c ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d5b y4e9d w1230 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5c y4e9d w1231 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x514 y4e9d waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5d y4e9d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e9e ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e01 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5e y4e01 w1232 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,523,046<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5f y4e01 w1233 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d60 y4e01 w1234 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,679<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d61 y4e01 w1235 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e9f w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d62 y4e9f w1236 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d63 y4e9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d64 y4e9f w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d6 y4e9f w224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d65 y4de8 w1237 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,368,87<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d66 y4de8 w110e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,332,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d67 y4de8 w838 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d68 y4de8 w93b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>129,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d69 y4de9 w1238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,532,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4de9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6a y4de9 w1239 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">699,<span class=\"_ _d\"></span>918<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6b y4de9 w123a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e09 w123b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6c y4e09 w123c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,314<span class=\"_ _2\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6d y4e09 w50d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,0<span class=\"_ _0\"></span>31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6e y4e09 w123d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _0\"></span>057<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ee y4e09 wc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540,599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x56b y4d84 w123e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,473,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6f y4d84 w123f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>457<span class=\"_ _d\"></span>,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d70 y4d84 w1240 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,826,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d71 y4d84 w1241 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,757<span class=\"_ _5\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea0 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d0b w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d72 y4d0b w1242 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,880,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4d0b w1243 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>138,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d73 y4d0b w1ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,503,<span class=\"_ _0\"></span>714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d74 y4d0b w1244 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,<span class=\"_ _0\"></span>739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d75 y4d0c w1245 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,369,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d76 y4d0c w1246 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d77 y4d0c wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">529<span class=\"_ _0\"></span>,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d78 y4d0c w74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de0 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4de0 w1247 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d79 y4de0 w1248 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4de0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7a y4de0 wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7b y4ac7 w1249 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4ac7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7c y4ac7 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7d y4ac7 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4aa1 w124b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">396,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149c y4aa1 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4aa1 w124c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7e y4aa1 w22f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">495,681<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1d7f y4aa2 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,048,610<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d80 y4aa2 w124d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,630,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d81 y4aa2 wc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,058,76<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d82 y4aa2 w124e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,737<span class=\"_ _d\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d83 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,42<span class=\"_ _2\"></span>4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d84 y4aa3 w1250 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(172,467)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d85 y4aa3 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,232,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x830 y4aa3 w1f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,019<span class=\"_ _0\"></span>,836<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w1251 h16f\" id=\"_42c86c82-2611-4091-a73e-a4721912e6e0\"><tr><td></td><td></td><td class=\"c n x1d86 y4ea1 we48 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1d87 y4ea1 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x4ea h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td><td></td><td></td><td class=\"t m1 x1d88 h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d89 h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td><td></td><td></td><td class=\"t m1 x12ed h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d8a y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8b y4ea4 w1252 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8c y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8d y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8e y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8f y4ea4 w1253 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d90 y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d91 y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea5 ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ea6 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d92 y4ea6 wb49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,508,225<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d93 y4ea6 w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,453,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d94 y4ea6 w7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">622,77<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d95 y4ea6 w1254 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d96 y4ea6 w1255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">836,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d97 y4ea6 w80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">419<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d98 y4ea6 w1256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4ea6 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea7 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ea8 w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d99 y4ea8 w1258 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9a y4ea8 w1259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9b y4ea8 w125a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9c y4ea8 w125b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9d y4ea8 w125c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,922,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9e y4ea8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9f y4ea8 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da0 y4ea8 w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ea9 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da1 y4ea9 w125d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,798,<span class=\"_ _d\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da2 y4ea9 w125e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>436,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da3 y4ea9 w125f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da4 y4ea9 w1260 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da5 y4ea9 wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>477<span class=\"_ _5\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ea9 w1261 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>901<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4ea9 w1262 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da6 y4ea9 w34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eaa ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4eab w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da7 y4eab w1264 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,339<span class=\"_ _0\"></span>,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da8 y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da9 y4eab wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">521,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daa y4eab w37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dab y4eab w1265 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,524,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dac y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dad y4eab we3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dae y4eab w1266 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4eac w123b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daf y4eac w11e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,473,<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db0 y4eac w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,271<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db1 y4eac w1267 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db2 y4eac w1268 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,672,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db3 y4eac w1269 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db4 y4eac w1049 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db5 y4eac w238 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _5\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db6 y4eac weaa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,213,4<span class=\"_ _2\"></span>87<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1db7 y4ead w126a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,478,534<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db8 y4ead w126b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,06<span class=\"_ _2\"></span>4,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db9 y4ead w126c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,358,611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dba y4ead w6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901,900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbb y4ead w126d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,738,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbc y4ead w126e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,568,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbd y4ead w126f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>122,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbe y4ead w1270 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _2\"></span>430,07<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eae ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eaf w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbf y4eaf w1271 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,017<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc0 y4eaf w11d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc1 y4eaf w1272 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,277<span class=\"_ _d\"></span>,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc2 y4eaf w1273 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,39<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc3 y4eaf w1274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>180,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc4 y4eaf wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">894,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc5 y4eaf w1275 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">1<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc6 y4eaf wb8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eb0 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d0c w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc7 y4d0c w1276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,622,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc8 y4d0c w1277 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>142,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc9 y4d0c w1278 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,<span class=\"_ _0\"></span>783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dca y4d0c w75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcb y4d0c w23a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,609<span class=\"_ _0\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcc y4d0c w1279 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,619<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcd y4d0c w127a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dce y4d0c w127b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcf y4ac6 w127c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd0 y4ac6 w127d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd1 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd2 y4ac6 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd3 y4ac6 w127e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">450,<span class=\"_ _d\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd4 y4ac6 w127f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,061,20<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd5 y4ac6 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4ac6 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd6 y4ac7 w1ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd7 y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd8 y4ac7 wce4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd9 y4ac7 w1280 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dda y4ac7 w1281 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddb y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddc y4ac7 w1282 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">2<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac7 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddd y4aa1 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">275,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dde y4aa1 w1283 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddf y4aa1 w1284 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de0 y4aa1 we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">364,590<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de1 y4aa1 w1285 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _0\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de2 y4aa1 w1286 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,29<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de3 y4aa1 w500 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4aa1 we7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">374<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>74<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1de4 y4aa2 w1287 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,328,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de5 y4aa2 w115 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,524,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de6 y4aa2 w1288 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">4,7<span class=\"_ _2\"></span>99,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de7 y4aa2 w8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de8 y4aa2 w1289 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,634,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de9 y4aa2 w128a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,630,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dea y4aa2 wda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,072,<span class=\"_ _0\"></span>123<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1deb y4aa2 w128b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,337<span class=\"_ _d\"></span>,168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dec y4aa3 w128c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>149<span class=\"_ _0\"></span>,813<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ded y4aa3 w144 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">540,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dee y4aa3 w128d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1def y4aa3 wb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,248,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df0 y4aa3 w128e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _2\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4aa3 w128f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,061,581)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df1 y4aa3 wab9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(94<span class=\"_ _0\"></span>9,530<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df2 y4aa3 w1290 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,092,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs6bd\">Liquidity risk and <span class=\"_ _0\"></span>funding management<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6be\">Liquidity risk is the risk<span class=\"_ _0\"></span> that the Group will be unable <span class=\"_ _0\"></span>to meet its payment obligations when the<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>all due under normal and stress </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6bf\">circumstanc<span class=\"_ _0\"></span>es. T<span class=\"_ _d\"></span>o limit this risk, management has arranged div<span class=\"_ _0\"></span>ersified funding sourc<span class=\"_ _0\"></span>es in addition to its core deposit base<span class=\"_ _0\"></span>, manages </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c0\">assets with liquidity in mind, and monit<span class=\"_ _0\"></span>ors future c<span class=\"_ _0\"></span>ash flows and liquidity on a r<span class=\"_ _0\"></span>egular basis. This incorpor<span class=\"_ _0\"></span>ates an assessment of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c1\">expected cash <span class=\"_ _0\"></span>flows and the availability of<span class=\"_ _0\"></span> high-grade collater<span class=\"_ _0\"></span>al which could be used to secure additional <span class=\"_ _0\"></span>funding if requir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs6c2\">The Group maint<span class=\"_ _0\"></span>ains a portfolio of highly<span class=\"_ _0\"></span> marketable and diverse asse<span class=\"_ _0\"></span>ts that can be easily liquidated in <span class=\"_ _0\"></span>the event of an un<span class=\"_ _0\"></span>foreseen </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs6c3\">interruption of c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup also has committed lines of cr<span class=\"_ _0\"></span>edit that it can access <span class=\"_ _0\"></span>to meet liquidity needs. In addition, the Gr<span class=\"_ _0\"></span>oup<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs6c4\">maintains a cash deposit (<span class=\"_ _d\"></span>obligator<span class=\"_ _2\"></span>y reserve<span class=\"_ _0\"></span>) with the NBG<span class=\"_ _0\"></span>, the amount of <span class=\"_ _0\"></span>which depends on the level of customer<span class=\"_ _0\"></span> funds attracted. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c5\">The liquidity position is assessed and managed b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup primarily on a standalone Bank basis, based on certain liquidity<span class=\"_ _0\"></span> ratios </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c6\">established by<span class=\"_ _0\"></span> the NBG. Banks ar<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ed to maintain a liquidity c<span class=\"_ _0\"></span>overage r<span class=\"_ _0\"></span>atio, which is defined as the r<span class=\"_ _0\"></span>atio of high-quality liquid </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c7\">assets to net cash out<span class=\"_ _0\"></span>flow over <span class=\"_ _0\"></span>the next 30 days. T<span class=\"_ _0\"></span>he order r<span class=\"_ _0\"></span>equires that, absent a stress-period, the <span class=\"_ _0\"></span>value of the r<span class=\"_ _0\"></span>atio be no lower </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c8\">than 100%. The liquidity<span class=\"_ _0\"></span> coverage r<span class=\"_ _0\"></span>atio as at 31 December 2023 <span class=\"_ _0\"></span>was 125.2% (2022: 132.<span class=\"_ _2\"></span>4%, 2021: 124.0%).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6c9\">The Bank holds a comf<span class=\"_ _0\"></span>ortable buff<span class=\"_ _0\"></span>er on top of Net St<span class=\"_ _0\"></span>able Funding Ratio (NSFR) r<span class=\"_ _0\"></span>equirement of 100%, which c<span class=\"_ _0\"></span>ame into eff<span class=\"_ _0\"></span>ect on </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ca\">1 September 2019<span class=\"_ _d\"></span>. A solid buff<span class=\"_ _0\"></span>er over NSFR pr<span class=\"_ _0\"></span>ovides stable funding sour<span class=\"_ _0\"></span>ces over<span class=\"_ _0\"></span> a longer time span. This appr<span class=\"_ _0\"></span>oach is designed to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6cb\">ensure that <span class=\"_ _0\"></span>the funding fr<span class=\"_ _0\"></span>amework is sufficien<span class=\"_ _0\"></span>tly fle<span class=\"_ _0\"></span>xible to secure liquidity<span class=\"_ _0\"></span> under a wide range of<span class=\"_ _0\"></span> market conditions. NSFR as at </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6cc\">31 December 2023 <span class=\"_ _0\"></span>was 130.4%, (2022: 131.<span class=\"_ _0\"></span>9%, 2021: 132.5%), all comf<span class=\"_ _0\"></span>ortably above the NBG\u2019<span class=\"_ _d\"></span>s minimum regulatory requir<span class=\"_ _0\"></span>ements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6cd\">The Group also matches <span class=\"_ _0\"></span>the maturity of financial assets and <span class=\"_ _0\"></span>financial liabilities and regularly monit<span class=\"_ _0\"></span>ors negative gaps compared <span class=\"_ _0\"></span>with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ce\">the Bank\u2019<span class=\"_ _0\"></span>s standalone total r<span class=\"_ _0\"></span>egulatory capital calculated per NBG r<span class=\"_ _0\"></span>egulation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6cf\">The table below summarises <span class=\"_ _0\"></span>the maturity profile o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial liabilities based on contr<span class=\"_ _0\"></span>actual undiscounted repayment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d0\">obligations, expect f<span class=\"_ _0\"></span>or other liabilities, which ar<span class=\"_ _0\"></span>e presented at c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amounts due to the short-t<span class=\"_ _0\"></span>erm nature of these liabilities. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d1\">Repayments that ar<span class=\"_ _0\"></span>e subject to notice ar<span class=\"_ _0\"></span>e treated as if notic<span class=\"_ _0\"></span>e were t<span class=\"_ _0\"></span>o be given immediately<span class=\"_ _d\"></span>. However<span class=\"_ _d\"></span>, the Group e<span class=\"_ _0\"></span>xpects that many<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d2\">customers will not r<span class=\"_ _0\"></span>equest repayment on <span class=\"_ _0\"></span>the earliest date the Bank could be requir<span class=\"_ _0\"></span>ed to pay<span class=\"_ _d\"></span>, and the table does not r<span class=\"_ _0\"></span>eflect the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d3\">expected cash <span class=\"_ _0\"></span>flows indicated by<span class=\"_ _0\"></span> the Bank\u2019<span class=\"_ _0\"></span>s deposit reten<span class=\"_ _0\"></span>tion histor<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>. </div><div class=\"gs6d4\"><table class=\"s w1291 h170\" id=\"_848c1b45-9296-42ff-8ed1-f1f942d31787\"><tr><td class=\"t m1 x1c9 h77 y4eb1 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1df3 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb1 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1df4 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df6 y4b42 w1293 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,491,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df7 y4b42 w1294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,559<span class=\"_ _0\"></span>,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18e0 y4b42 w1295 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>963,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df8 y4b42 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df9 y4b42 w1296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,087<span class=\"_ _d\"></span>,733<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfa y4c0f w1297 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,777<span class=\"_ _5\"></span>,202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfb y4c0f w1298 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">569<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfc y4c0f w128 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,773,329<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfd y4c0f w1299 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">836,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfe y4c0f w289 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,956,465<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dff y4b44 w129a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e00 y4b44 w129b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _2\"></span>4,7<span class=\"_ _0\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e01 y4b44 w129c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">452,7<span class=\"_ _0\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e02 y4b44 w129d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _0\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4b44 w11f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74<span class=\"_ _0\"></span>1,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e03 y4b45 w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,<span class=\"_ _2\"></span>07<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e04 y4b45 w884 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e05 y4b45 w129e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e06 y4b45 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e07 y4b45 w129f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,431<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e08 y4adf we1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e09 y4adf w6d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0a y4adf w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0b y4adf wbc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4adf w59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0c y4aa3 w123a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _2\"></span>429<span class=\"_ _0\"></span>,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0d y4aa3 w12a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,374,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0e y4aa3 w12a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,292,2<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0f y4aa3 w12a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,019<span class=\"_ _0\"></span>,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e10 y4aa3 w12a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>115,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td></tr></table></div><table class=\"s w12a5 h171\" id=\"_0f515350-d989-4095-a7e9-a93cd4472119\"><tr><td class=\"t m1 x1c9 h77 y4eb3 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1df3 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 </td><td class=\"t m1 x1bd4 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb3 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1df4 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e11 y4b42 w12a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,278,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e12 y4b42 w12a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,366,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e13 y4b42 w61f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>946,856<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e14 y4b42 w12a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e15 y4b42 w12a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>934<span class=\"_ _2\"></span>,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e16 y4c0f w12aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,300<span class=\"_ _0\"></span>,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e17 y4c0f w98f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">623,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e18 y4c0f w12ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e19 y4c0f w12ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1a y4c0f w12ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,888,755<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1b y4b44 w12ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1c y4b44 w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">343,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1d y4b44 w12af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">411,265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78f y4b44 w12b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>62,<span class=\"_ _0\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1e y4b45 w12b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1f y4b45 w1038 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e20 y4b45 w12b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd3 y4b45 w2c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e21 y4b45 w12b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,861<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e22 y4adf wa2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">142<span class=\"_ _2\"></span>,655<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e23 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,856<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e24 y4adf w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea5 y4adf w12b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e25 y4adf w8a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e26 y4aa3 w12b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,737<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e27 y4aa3 w5ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,370,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e28 y4aa3 w12b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,747<span class=\"_ _5\"></span>,148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e29 y4aa3 wda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,013,468<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2a y4aa3 w12b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,868,207<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w12b8 h170\" id=\"_3be8d651-daa7-4192-8cde-b4cdf4c60a10\"><tr><td class=\"t m1 x1c9 h77 y4eb5 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1e2b h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">Less than <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb5 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e2c h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df6 y4b42 w12b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,301,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2d y4b42 w12ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,317<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>413<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2e y4b42 w12bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,657<span class=\"_ _d\"></span>,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2f y4b42 w12bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e30 y4b42 webe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,629<span class=\"_ _0\"></span>,310<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e31 y4b43 w12bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,815,<span class=\"_ _d\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e32 y4b43 wc6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">628,686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e33 y4b43 w660 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,870<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e34 y4b43 w61b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">610,949<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e35 y4b43 w12be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,926,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e36 y4b44 wce9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e37 y4b44 w10ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310,7<span class=\"_ _0\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e38 y4b44 w12bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,432,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4b44 w12c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,780<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>64<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3a y4b45 w4ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>145<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3b y4b45 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f6 y4b45 w12c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _d\"></span>981<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3c y4b45 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3d y4b45 w666 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,84<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b5 y4b46 w12c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">177<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3e y4b46 w12c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,788<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3f y4b46 w87c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e40 y4b46 wf3d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e41 y4b46 w12c4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e42 y4aa3 w12c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,338,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e43 y4aa3 w12c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,277<span class=\"_ _d\"></span>,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e44 y4aa3 w2f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,029<span class=\"_ _0\"></span>,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e45 y4aa3 w52a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">974,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e46 y4aa3 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,620,535<span class=\"_ _3e0\"> </span></div></td></tr></table>The table below sho<span class=\"_ _0\"></span>ws the contractual e<span class=\"_ _0\"></span>xpir<span class=\"_ _2\"></span>y b<span class=\"_ _0\"></span>y maturity o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial commitments and contingencie<span class=\"_ _0\"></span>s.<span class=\"_ _3e0\"> </span><table class=\"s wd7a h10c\" id=\"_0e2da7af-3d8a-41e4-9fc5-41fda4d8f810\"><tr><td></td><td class=\"t m1 x1df3 h77 y4eb7 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb7 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x4e7 h77 y4eb7 ffb fs1d fc1 sc0 lsb1 wsfe\">1 to<span class=\"ls0 ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb7 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x1df4 h77 y4eb8 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb8 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x513 h77 y4eb8 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4bf6 w1292 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4bf6 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e47 y4bef w12c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,349<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e48 y4bef we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">636,409<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e49 y4bef w12c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,009<span class=\"_ _0\"></span>,256<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf0 y4bef w311 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4a y4bef w12c9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,023,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4b y4ac9 w12ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4c y4ac9 w125f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625,011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4d y4ac9 w12cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">778,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4e y4ac9 w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4f y4ac9 w12cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">2,71<span class=\"_ _0\"></span>4,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w38b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e50 y4aa3 w12cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>010,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e51 y4aa3 w20d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">663,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1818 y4aa3 w357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,895<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4aa3 w63e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e52 y4aa3 w12ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,577<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td></tr></table>The Group e<span class=\"_ _0\"></span>xpects that not all guarantees or<span class=\"_ _0\"></span> commitments will be dr<span class=\"_ _0\"></span>awn before e<span class=\"_ _0\"></span>xpiry of the commitmen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span>The maturity analysis does not r<span class=\"_ _0\"></span>eflect the historical stability<span class=\"_ _0\"></span> of current acc<span class=\"_ _0\"></span>ounts. Their liquidation has hist<span class=\"_ _0\"></span>orically tak<span class=\"_ _0\"></span>en place over a longer period than indicated in <span class=\"_ _0\"></span>the tables above. <span class=\"_ _0\"></span>These balances are included in amoun<span class=\"_ _0\"></span>ts due in less than three mon<span class=\"_ _0\"></span>ths in the tables above. P<span class=\"_ _0\"></span>erpetual Tier 1 c<span class=\"_ _0\"></span>apital notes are pr<span class=\"_ _0\"></span>esented in \u2018Over 5 <span class=\"_ _0\"></span>years\u2019 cat<span class=\"_ _0\"></span>egor<span class=\"_ _2\"></span>y given the <span class=\"_ _0\"></span>fact that management does not c<span class=\"_ _0\"></span>onsider them to be repaid earlier than that.<span class=\"_ _3e0\"> </span>Marke<span class=\"_ _0\"></span>t risk<span class=\"_ _3e0\"> </span>Market risk is <span class=\"_ _0\"></span>the risk that the f<span class=\"_ _0\"></span>air value or<span class=\"_ _0\"></span> future cash <span class=\"_ _0\"></span>flows of financial instruments <span class=\"_ _0\"></span>will fluctuate due to changes in market variables such as inter<span class=\"_ _0\"></span>est rates, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchanges, and equity prices. <span class=\"_ _0\"></span>The Group classifies e<span class=\"_ _0\"></span>xposures to mark<span class=\"_ _0\"></span>et risk into either trading or non-<span class=\"_ _0\"></span>trading portfolios. <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>rading and non-tr<span class=\"_ _0\"></span>ading positions are managed and monitored using sensitivity<span class=\"_ _0\"></span> analysis. Inter<span class=\"_ _0\"></span>est rate risk<span class=\"_ _3e0\"> </span>Interes<span class=\"_ _0\"></span>t rate risk arises f<span class=\"_ _0\"></span>rom the possibility <span class=\"_ _0\"></span>that changes in interest r<span class=\"_ _0\"></span>ates will aff<span class=\"_ _0\"></span>ect future cash <span class=\"_ _0\"></span>flows or the f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial instruments. <span class=\"_ _0\"></span>The following <span class=\"_ _0\"></span>table demonstrates the sensitivity<span class=\"_ _0\"></span> to a reasonably<span class=\"_ _0\"></span> possible change in interest r<span class=\"_ _0\"></span>ates, with all other variables held constant, on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated income statement. The sensitivity of <span class=\"_ _0\"></span>the consolidated income statement is the e<span class=\"_ _0\"></span>ffect of <span class=\"_ _0\"></span>the assumed changes in interest r<span class=\"_ _0\"></span>ates on the net inter<span class=\"_ _0\"></span>est income f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear<span class=\"_ _d\"></span>, based on the floating rate non-<span class=\"_ _0\"></span>trading financial assets and financial liabilities held at 31 Dec<span class=\"_ _0\"></span>ember 2023. Changes in basis points are c<span class=\"_ _0\"></span>alculated as standard deviations of<span class=\"_ _0\"></span> daily changes in floating r<span class=\"_ _0\"></span>ates over the last mon<span class=\"_ _0\"></span>th multiplied by respective floating r<span class=\"_ _0\"></span>ates. During the <span class=\"_ _0\"></span>years ended 31 December 2023, 2022 and 20<span class=\"_ _0\"></span>21, sensitivity analysis did not re<span class=\"_ _0\"></span>veal any<span class=\"_ _0\"></span> significant potential ef<span class=\"_ _0\"></span>fect on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s equity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>Currency<span class=\"_ _3e0\"> </span><table class=\"s w12cf h172\" id=\"_e03c4832-e63e-4adc-97db-11b813b0c709\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4eb9 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4eba ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ebb ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4ebc ffb fs1d fc1 sc0 ls0 ws0\">Increase </td><td class=\"t m1 x16c9 h77 y4ebc ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est  </td><td class=\"t m1 x63b h77 y4ebd ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ebe ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ebe ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ebf ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4ec0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ec0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4ec1 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e57 y4bef wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e58 y4bef w10b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e59 y4bef wbaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,289<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5a y4ac9 w31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5b y4ac9 w12d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">707<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5c y4ac9 w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5e y4aa3 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">813<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1152 y4aa3 wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td></tr></table>Currency<span class=\"_ _3e0\"> </span><table class=\"s w120d h172\" id=\"_6d1c1c7f-ab44-4344-ba6b-80370ef0e1a8\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ec2 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ec3 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ec4 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4ec5 ffb fs1d fc1 sc0 ls0 ws0\">Decrease  </td><td class=\"t m1 x16c9 h77 y4ec5 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ec6 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ec8 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4ec9 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ec9 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4eca ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e57 y4bef wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4bef w877 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,54<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5f y4bef w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,289)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5a y4ac9 w31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e60 y4ac9 w12d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(70<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a0 y4ac9 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e61 y4aa3 w12d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e62 y4aa3 w12d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(101)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w12cf h173\" id=\"_a5ab4922-367e-40bf-9f8a-0a02798a3452\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ecb ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ecc ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ecd ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4ece ffb fs1d fc1 sc0 ls0 ws0\">Increase  </td><td class=\"t m1 x16c9 h77 y4ece ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ecf ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ed0 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td class=\"t m1 x1c9 h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">Currency<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4ed2 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e63 y4bef w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e64 y4bef w12d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e65 y4bef we53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,348<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e66 y4ac9 wf5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e67 y4ac9 wd2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,732<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e68 y4ac9 w12d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e58 y4aa3 w12d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e69 y4aa3 w4ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,022<span class=\"_ _3e0\"> </span></div></td></tr></table>Currency<span class=\"_ _3e0\"> </span><table class=\"s w12d9 h172\" id=\"_17a514c0-faf2-4e74-9f2b-55cdf41ada3c\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ed3 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ed4 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ed5 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x51b h77 y4ed6 ffb fs1d fc1 sc0 ls0 ws0\">Decrease in </td><td class=\"t m1 x16c9 h77 y4ed6 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ed7 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e6a h77 y4ed8 ffb fs1d fc1 sc0 ls0 ws0\">basis points </td><td class=\"t m1 x1e55 h77 y4ed8 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ed9 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4eda ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4eda ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4edb ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bf1 w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e63 y4bf1 w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6b y4bf1 wda5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,432)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6c y4bf1 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,348)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e66 y4ac9 wf5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fb y4ac9 w105 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,732)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6d y4ac9 w12da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(107)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4aa3 w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,624)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6e y4aa3 wc22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>022)<span class=\"_ _3e0\"> </span></div></td></tr></table>Currency<span class=\"_ _3e0\"> </span><table class=\"s w12cf h174\" id=\"_b39908b2-555c-4364-ab0c-79e58d3ca82a\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4edc ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4edd ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ede ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4edf ffb fs1d fc1 sc0 ls0 ws0\">Increase </td><td class=\"t m1 x16c9 h77 y4edf ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ee0 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ee1 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ee1 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ee2 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x1e6f h77 y4ee3 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ee3 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4ee4 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bf1 w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e70 y4bf1 w717 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e71 y4bf1 w7f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e72 y4bf1 w10b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,516<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e73 y4ac9 w12db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4ac9 w7ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf12 y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa3 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e74 y4aa3 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">355<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26b y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table>Currency<span class=\"_ _3e0\"> </span><table class=\"s w12dc h172\" id=\"_efbe2cfe-624a-48e0-a71f-5b066b495c32\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ee5 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ee6 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ee7 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4ee8 ffb fs1d fc1 sc0 ls0 ws0\">Decrease  </td><td class=\"t m1 x16c9 h77 y4ee8 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ee9 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4eea ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4eea ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4eeb ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x1e6f h77 y4eec ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4eec ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4eed ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e70 y4bef w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e75 y4bef w12dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,733<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e76 y4bef w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,516)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e73 y4bf8 w12db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e77 y4bf8 wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90a y4bf8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e78 y4aa3 w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table>Currency<span class=\"_ _0\"></span> risk<span class=\"_ _3e0\"> </span>Currency<span class=\"_ _0\"></span> risk is the risk that the <span class=\"_ _0\"></span>value of a financial instrument <span class=\"_ _0\"></span>will fluctuate due to changes in f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change rates. <span class=\"_ _0\"></span>The Management Board has se<span class=\"_ _0\"></span>t limits on positions by curr<span class=\"_ _0\"></span>ency based on the NBG r<span class=\"_ _0\"></span>egulations. Positions are monit<span class=\"_ _0\"></span>ored daily<span class=\"_ _d\"></span>. The tables below indic<span class=\"_ _0\"></span>ate the currencies t<span class=\"_ _0\"></span>o which the Group had significan<span class=\"_ _0\"></span>t exposure at 31 December<span class=\"_ _0\"></span> 2023 on its monetary assets and liabilities. The analysis c<span class=\"_ _0\"></span>alculates the eff<span class=\"_ _0\"></span>ect of a reasonably<span class=\"_ _0\"></span> possible movement of <span class=\"_ _0\"></span>the currency r<span class=\"_ _0\"></span>ate against the Georgian Lari, with all other v<span class=\"_ _0\"></span>ariables held constant on the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. The r<span class=\"_ _0\"></span>easonably possible movemen<span class=\"_ _0\"></span>t of the currency<span class=\"_ _0\"></span> rate against the Georgian Lari is calculated as a s<span class=\"_ _0\"></span>tandard deviation of daily<span class=\"_ _0\"></span> changes in ex<span class=\"_ _0\"></span>change rates over<span class=\"_ _0\"></span> the 12 months. A negativ<span class=\"_ _0\"></span>e amount in the table r<span class=\"_ _0\"></span>eflects a potential net reduction in income st<span class=\"_ _0\"></span>atement or equity<span class=\"_ _d\"></span>, while a positive amount reflects a net pot<span class=\"_ _0\"></span>ential increase. During <span class=\"_ _0\"></span>the years ended 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, sensitivity analysis did not r<span class=\"_ _0\"></span>eveal any<span class=\"_ _0\"></span> significant potential e<span class=\"_ _0\"></span>ffect on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Currency<span class=\"_ _3e0\"> </span><table class=\"s we69 h175\" id=\"_e81266c8-f1e6-4e6b-b5ca-6189834c90df\"><tr><td></td><td></td><td class=\"c n x1e79 y4eee w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4eee w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4eee w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x1e7c h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td><td class=\"t m1 x6ce h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td><td class=\"t m1 x1642 h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td></tr><tr><td></td><td class=\"t m1 x1e7d h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x2fe h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td><td class=\"t m1 x1e7e h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x1e7f h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td><td class=\"t m1 x654 h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x1e80 h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td></tr><tr><td></td><td class=\"t m1 x1e81 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e82 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x516 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e83 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e84 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1bd6 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e85 y4ac9 w12de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.8%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e86 y4ac9 w414 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e87 y4ac9 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e88 y4ac9 w52c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e89 y4ac9 wd8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8a y4ac9 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8b y4aa3 w12df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>.9<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8c y4aa3 w12e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8d y4aa3 w102d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10.<span class=\"_ _d\"></span>9%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8e y4aa3 w12e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8f y4aa3 w12e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e90 y4aa3 w713 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,027<span class=\"_ _3e0\"> </span></div></td></tr></table>Prepayment risk<span class=\"_ _3e0\"> </span>Prepayment risk<span class=\"_ _0\"></span> is the risk that the Gr<span class=\"_ _0\"></span>oup will incur a financial loss because its customer<span class=\"_ _0\"></span>s and counterparties repay<span class=\"_ _0\"></span> or request repayment earlier<span class=\"_ _0\"></span> than expected, such as fix<span class=\"_ _0\"></span>ed rate mortgages when inter<span class=\"_ _0\"></span>est rates f<span class=\"_ _0\"></span>all, or other cr<span class=\"_ _0\"></span>edit facilities, <span class=\"_ _0\"></span>for similar<span class=\"_ _0\"></span> reasons.<span class=\"_ _3e0\"> </span>The Group calculat<span class=\"_ _0\"></span>es the eff<span class=\"_ _0\"></span>ect of early r<span class=\"_ _0\"></span>epayments by c<span class=\"_ _0\"></span>alculating the weighted aver<span class=\"_ _0\"></span>age rates of early<span class=\"_ _0\"></span> repayments acr<span class=\"_ _0\"></span>oss each loan product individually<span class=\"_ _d\"></span>, applying these historical r<span class=\"_ _0\"></span>ates to the outstanding carrying amount of r<span class=\"_ _0\"></span>espective products as at the reporting date and multiplying by<span class=\"_ _0\"></span> the weigh<span class=\"_ _0\"></span>ted average ef<span class=\"_ _0\"></span>fective annual inter<span class=\"_ _0\"></span>est rates f<span class=\"_ _0\"></span>or each product. The model does not mak<span class=\"_ _0\"></span>e a distinction between diff<span class=\"_ _0\"></span>erent r<span class=\"_ _0\"></span>easons for r<span class=\"_ _0\"></span>epayment (<span class=\"_ _0\"></span>e.g. r<span class=\"_ _0\"></span>elocation, refinancing or r<span class=\"_ _0\"></span>enegotiation) and tak<span class=\"_ _0\"></span>es into account the ef<span class=\"_ _0\"></span>fect of any<span class=\"_ _0\"></span> prepayment penalties on <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s income.<span class=\"_ _3e0\"> </span>The estimated eff<span class=\"_ _0\"></span>ect of prepayment risk<span class=\"_ _0\"></span> on net interest income o<span class=\"_ _0\"></span>f the Group f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>years ended 31 December 2023, 31 Dec<span class=\"_ _0\"></span>ember 2022 and 31 December 2021, is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span><table class=\"s w12e3 h10b\" id=\"_201e2c69-790b-4a13-95e1-02f9501f0059\"><tr><td></td><td class=\"t m1 x1e91 h77 y4ef2 ffb fs1d fc1 sc0 ls0 ws0\">Effect on net </td></tr><tr><td></td><td class=\"t m1 x1e80 h77 y4ef3 ffb fs1d fc1 sc0 ls0 ws0\">interest inc<span class=\"_ _0\"></span>ome<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e92 y4bef w12e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71,<span class=\"_ _0\"></span>177)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w12e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1f y4bf8 wd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,899)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1214 y4aa3 w12e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,552)<span class=\"_ _3e0\"> </span></div></td></tr></table>Operational risk<span class=\"_ _3e0\"> </span>Operational risk is <span class=\"_ _0\"></span>the risk of loss arising fr<span class=\"_ _0\"></span>om systems f<span class=\"_ _0\"></span>ailure, human err<span class=\"_ _0\"></span>or<span class=\"_ _d\"></span>, fraud or e<span class=\"_ _0\"></span>xternal events. <span class=\"_ _0\"></span>When controls f<span class=\"_ _0\"></span>ail to perform, operational risks can c<span class=\"_ _0\"></span>ause damage to reputation, have legal or<span class=\"_ _0\"></span> regulatory implications, or lead <span class=\"_ _0\"></span>to financial loss. The Gr<span class=\"_ _0\"></span>oup cannot expect to eliminate all oper<span class=\"_ _0\"></span>ational risks, but through a c<span class=\"_ _0\"></span>ontrol f<span class=\"_ _0\"></span>ramework and b<span class=\"_ _0\"></span>y monitoring and re<span class=\"_ _0\"></span>sponding to potential risks, the Group is able t<span class=\"_ _0\"></span>o manage the risks. Controls include ef<span class=\"_ _0\"></span>fective segr<span class=\"_ _0\"></span>egation of duties, access, authorisation and r<span class=\"_ _0\"></span>econciliation procedur<span class=\"_ _0\"></span>es, staff education and asse<span class=\"_ _0\"></span>ssment processes, including the use o<span class=\"_ _0\"></span>f Internal Audit. Operating en<span class=\"_ _0\"></span>vironment<span class=\"_ _3e0\"> </span>Most of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s business is concentrated in Geor<span class=\"_ _0\"></span>gia. As an emerging mark<span class=\"_ _0\"></span>et, Georgia does not possess a well-dev<span class=\"_ _0\"></span>eloped business and regulatory in<span class=\"_ _0\"></span>frastructur<span class=\"_ _0\"></span>e that would gener<span class=\"_ _0\"></span>ally exist in a mor<span class=\"_ _0\"></span>e mature mark<span class=\"_ _0\"></span>et economy<span class=\"_ _d\"></span>. Operations in Geor<span class=\"_ _0\"></span>gia may involve risks <span class=\"_ _0\"></span>that are not typically<span class=\"_ _0\"></span> associated with those in developed mark<span class=\"_ _0\"></span>ets (including the risk that <span class=\"_ _0\"></span>the Georgian Lari is not f<span class=\"_ _0\"></span>reely convertible outside the c<span class=\"_ _0\"></span>ountr<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, and that Georgia has undeveloped debt and equity<span class=\"_ _0\"></span> markets). Ho<span class=\"_ _0\"></span>wever<span class=\"_ _d\"></span>, over <span class=\"_ _0\"></span>the last few<span class=\"_ _0\"></span> years the Georgian Gov<span class=\"_ _0\"></span>ernment has made a number of developmen<span class=\"_ _0\"></span>ts that positively af<span class=\"_ _0\"></span>fect the over<span class=\"_ _0\"></span>all investment climate o<span class=\"_ _0\"></span>f the country<span class=\"_ _d\"></span>, specifically<span class=\"_ _0\"></span> implementing the ref<span class=\"_ _0\"></span>orms necessary to cr<span class=\"_ _0\"></span>eate banking, judicial, taxation and r<span class=\"_ _0\"></span>egulator<span class=\"_ _2\"></span>y systems.<span class=\"_ _3e0\"> </span>This includes the adoption of a ne<span class=\"_ _0\"></span>w body of legislation (including a ne<span class=\"_ _0\"></span>w tax code and pr<span class=\"_ _0\"></span>ocedural laws). In <span class=\"_ _0\"></span>the view of the Boar<span class=\"_ _0\"></span>d, these steps contribute <span class=\"_ _0\"></span>to mitigating the risks of doing business in Georgia. The existing t<span class=\"_ _0\"></span>endency aimed at the over<span class=\"_ _0\"></span>all improv<span class=\"_ _0\"></span>ement of the business envir<span class=\"_ _0\"></span>onment is expected to per<span class=\"_ _0\"></span>sist<span class=\"_ _2\"></span>. The f<span class=\"_ _0\"></span>uture stability of<span class=\"_ _0\"></span> the Georgian econom<span class=\"_ _0\"></span>y is lar<span class=\"_ _0\"></span>gely dependent upon these r<span class=\"_ _0\"></span>eforms and dev<span class=\"_ _0\"></span>elopments, and the eff<span class=\"_ _0\"></span>ectiveness of economic, financial and monetary measures undertak<span class=\"_ _0\"></span>en by<span class=\"_ _0\"></span> the Government. However<span class=\"_ _5\"></span>, the Georgian economy<span class=\"_ _0\"></span> is vulnerable t<span class=\"_ _0\"></span>o market downturns and economic slowdowns else<span class=\"_ _0\"></span>where in the world. Emerging risks<span class=\"_ _3e0\"> </span>Inf<span class=\"_ _0\"></span>ormation compiled fr<span class=\"_ _0\"></span>om all the businesses is ex<span class=\"_ _0\"></span>amined and processed in or<span class=\"_ _0\"></span>der to analyse, con<span class=\"_ _0\"></span>trol and identify<span class=\"_ _0\"></span> emerging risks.<span class=\"_ _3e0\"> </span>The Group has identified climat<span class=\"_ _0\"></span>e risk as an emerging risk. Climate risk was identified as an emer<span class=\"_ _0\"></span>ging risk in 2021 f<span class=\"_ _0\"></span>ollowing our first climate materiality assessment. Climate risk is an ev<span class=\"_ _0\"></span>olving risk practice and we ar<span class=\"_ _0\"></span>e examining risk<span class=\"_ _0\"></span> drivers that may<span class=\"_ _0\"></span> be material for certain sectors. Climate-related risk<span class=\"_ _0\"></span> is the risk of financial loss and/<span class=\"_ _5\"></span>or damage to the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s reputation as a result of ac<span class=\"_ _0\"></span>celerating transition t<span class=\"_ _0\"></span>o a lower-carbon econom<span class=\"_ _0\"></span>y as well as the mat<span class=\"_ _0\"></span>erialisation of actual physical damage as a r<span class=\"_ _0\"></span>esult of acute or chronic weather even<span class=\"_ _0\"></span>ts. Among other things, <span class=\"_ _0\"></span>transitional and physic<span class=\"_ _0\"></span>al risks may impact the performance and <span class=\"_ _0\"></span>financial position of our customers and their<span class=\"_ _0\"></span> ability to repay<span class=\"_ _0\"></span> their loans.<span class=\"_ _3e0\"> </span>The Bank conducted a qualitative analysis <span class=\"_ _0\"></span>to understand how<span class=\"_ _0\"></span>, under diff<span class=\"_ _0\"></span>erent scenario<span class=\"_ _0\"></span>s, the transition and ph<span class=\"_ _0\"></span>ysical eff<span class=\"_ _0\"></span>ects of climate change can drive cr<span class=\"_ _0\"></span>edit<span class=\"_ _2\"></span>, liquidity<span class=\"_ _d\"></span>, capital, market, operational and reput<span class=\"_ _0\"></span>ational risk for <span class=\"_ _0\"></span>the Bank over \u2018<span class=\"_ _0\"></span>short-term\u2019 (i.e<span class=\"_ _0\"></span>. one to two <span class=\"_ _0\"></span>years) to \u2018very long-<span class=\"_ _0\"></span>term\u2019 (i.e. over<span class=\"_ _0\"></span> seven y<span class=\"_ _0\"></span>ears) time horizons. Risks ar<span class=\"_ _0\"></span>e perceiv<span class=\"_ _0\"></span>ed to be low over<span class=\"_ _0\"></span> the coming y<span class=\"_ _0\"></span>ears. However<span class=\"_ _5\"></span>, reputational risks can oc<span class=\"_ _0\"></span>cur if our climate action lacks ambition and cr<span class=\"_ _0\"></span>edibility<span class=\"_ _0\"></span>. W<span class=\"_ _0\"></span>e are c<span class=\"_ _0\"></span>onducting a more quantitative appr<span class=\"_ _0\"></span>oach in 2024 to conduct materiality<span class=\"_ _0\"></span> over multiple r<span class=\"_ _0\"></span>eferenc<span class=\"_ _0\"></span>e scenarios in addition to modelling impacts on capital and portfolios. Mor<span class=\"_ _0\"></span>eover<span class=\"_ _d\"></span>, the Bank conducted a qualitative analysis of<span class=\"_ _0\"></span> the transition and ph<span class=\"_ _0\"></span>ysical risks for<span class=\"_ _0\"></span> the sectors in which our corpor<span class=\"_ _0\"></span>ate and MSME clients are active<span class=\"_ _0\"></span>. The results o<span class=\"_ _0\"></span>f this analysis showed that although both str<span class=\"_ _0\"></span>ong climate policy (tr<span class=\"_ _0\"></span>ansition risks) and untamed climate change (physical risks<span class=\"_ _0\"></span>) can negatively af<span class=\"_ _0\"></span>fect borro<span class=\"_ _0\"></span>wers\u2019 repayment c<span class=\"_ _0\"></span>apacity and value of c<span class=\"_ _0\"></span>ollateral in the f<span class=\"_ _0\"></span>uture (fr<span class=\"_ _0\"></span>om 2030 and bey<span class=\"_ _0\"></span>ond), risks over the ne<span class=\"_ _0\"></span>xt years ar<span class=\"_ _0\"></span>e expected to be low<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> our commercial portf<span class=\"_ _0\"></span>olio and are not lik<span class=\"_ _0\"></span>ely to af<span class=\"_ _0\"></span>fect current expectations of cr<span class=\"_ _0\"></span>edit loss. Our curren<span class=\"_ _0\"></span>t baseline is a climate policy supportive of low<span class=\"_ _0\"></span> carbon transition and low<span class=\"_ _0\"></span> and minimal exposure to physical risks. Indir<span class=\"_ _0\"></span>ect costs fr<span class=\"_ _0\"></span>om loss of competitiveness ar<span class=\"_ _0\"></span>e minimal in our view<span class=\"_ _d\"></span>. A more ambitious <span class=\"_ _0\"></span>transition drive, supported b<span class=\"_ _0\"></span>y policies that would incr<span class=\"_ _0\"></span>ease the cost of capit<span class=\"_ _0\"></span>al, would have an over<span class=\"_ _0\"></span>all negative impact on our current portf<span class=\"_ _0\"></span>olio for<span class=\"_ _0\"></span> carbon intensive sectors. Climate risks are curr<span class=\"_ _0\"></span>ently managed at <span class=\"_ _0\"></span>the deal level through an enhanc<span class=\"_ _0\"></span>ed due diligence approach wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> borrowers within certain sectors are <span class=\"_ _0\"></span>viewed as higher risk against our Heatmaps. <span class=\"_ _0\"></span>Those deemed higher risk ar<span class=\"_ _0\"></span>e offer<span class=\"_ _0\"></span>ed additional guidance on mitigating options.<span class=\"_ _3e0\"> </span>Our curren<span class=\"_ _0\"></span>t assessment of climate risk is backwar<span class=\"_ _0\"></span>d looking and takes int<span class=\"_ _0\"></span>o account only <span class=\"_ _0\"></span>weather-related e<span class=\"_ _0\"></span>vents fr<span class=\"_ _0\"></span>om immediate proceeding <span class=\"_ _0\"></span>years. In 2024 w<span class=\"_ _0\"></span>e are undertaking a forwar<span class=\"_ _0\"></span>d-looking view wher<span class=\"_ _0\"></span>eby<span class=\"_ _0\"></span> climate scenarios will impact the likelihood and intensity of<span class=\"_ _0\"></span> weather-relat<span class=\"_ _0\"></span>ed events on our portf<span class=\"_ _0\"></span>olio. Overall, man<span class=\"_ _0\"></span>y of the ef<span class=\"_ _0\"></span>fects of climate change <span class=\"_ _0\"></span>will be longer term in nature<span class=\"_ _0\"></span>, with an inherent le<span class=\"_ _0\"></span>vel of uncertainty<span class=\"_ _d\"></span>, and have no eff<span class=\"_ _0\"></span>ect on accounting judgments and estimates f<span class=\"_ _0\"></span>or the curr<span class=\"_ _0\"></span>ent period. As a result, there ar<span class=\"_ _0\"></span>e no additional notes provided in <span class=\"_ _0\"></span>the financial statements. Pot<span class=\"_ _0\"></span>ential impacts of climate-related risks will be subject t<span class=\"_ _0\"></span>o further analysis in the future<span class=\"_ _0\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-793": {
   "value": "Credit risk<span class=\"_ _0\"></span> Credit risk is <span class=\"_ _0\"></span>the risk that the Group <span class=\"_ _0\"></span>will incur a loss because its customers f<span class=\"_ _0\"></span>ail to discharge <span class=\"_ _0\"></span>their contr<span class=\"_ _0\"></span>actual obligations. The Group manages and contr<span class=\"_ _0\"></span>ols credit risk by<span class=\"_ _0\"></span> setting limits on the amount o<span class=\"_ _0\"></span>f risk it is willing to acc<span class=\"_ _0\"></span>ept for individual c<span class=\"_ _0\"></span>ounterparties and for geographical, industry<span class=\"_ _d\"></span>, product and currency<span class=\"_ _0\"></span> concentr<span class=\"_ _0\"></span>ations, and by monitoring e<span class=\"_ _0\"></span>xposures in r<span class=\"_ _0\"></span>elation to such limits. The Group has established a cr<span class=\"_ _0\"></span>edit quality r<span class=\"_ _0\"></span>eview proc<span class=\"_ _0\"></span>ess to provide an early<span class=\"_ _0\"></span> identification of possible changes in <span class=\"_ _0\"></span>the creditworthiness of c<span class=\"_ _0\"></span>ounterparties, including regular collater<span class=\"_ _0\"></span>al revisions. C<span class=\"_ _0\"></span>ounterparty limits are established b<span class=\"_ _0\"></span>y the use of<span class=\"_ _0\"></span> a credit risk classification system, <span class=\"_ _0\"></span>which assigns each counterparty a risk rating. Risk<span class=\"_ _0\"></span> ratings are subject to r<span class=\"_ _0\"></span>egular re<span class=\"_ _0\"></span>vision.<span class=\"_ _3e0\"> </span>The credit quality<span class=\"_ _0\"></span> review pr<span class=\"_ _0\"></span>ocess allows the Gr<span class=\"_ _0\"></span>oup to assess the poten<span class=\"_ _0\"></span>tial loss as a result of the risks <span class=\"_ _0\"></span>to which it is exposed and tak<span class=\"_ _0\"></span>e corrective action. <span class=\"_ _0\"></span>The maximum credit e<span class=\"_ _0\"></span>xposure is limited to the c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of r<span class=\"_ _0\"></span>espective instruments and notional amounts of guarantees and c<span class=\"_ _0\"></span>ommitments provided.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Credit risk arising <span class=\"_ _0\"></span>from derivativ<span class=\"_ _0\"></span>e financial instruments is, at any<span class=\"_ _0\"></span> time, limited to <span class=\"_ _0\"></span>those with positive f<span class=\"_ _0\"></span>air values, as r<span class=\"_ _0\"></span>ecorded in the statement of <span class=\"_ _0\"></span>financial position.<span class=\"_ _3e0\"> </span>Credit-r<span class=\"_ _0\"></span>elated commitment risks<span class=\"_ _3e0\"> </span>The Group mak<span class=\"_ _0\"></span>es available to its customers guar<span class=\"_ _0\"></span>antees and letters o<span class=\"_ _0\"></span>f credit which may<span class=\"_ _0\"></span> requir<span class=\"_ _0\"></span>e that the Group mak<span class=\"_ _0\"></span>e payments on their behalf<span class=\"_ _d\"></span>. Such payments are collected f<span class=\"_ _0\"></span>rom customers based on the <span class=\"_ _0\"></span>terms of the guaran<span class=\"_ _0\"></span>tee and letter of cr<span class=\"_ _0\"></span>edit. They<span class=\"_ _0\"></span> expose the Group t<span class=\"_ _0\"></span>o similar risks to loans and these ar<span class=\"_ _0\"></span>e mitigated by <span class=\"_ _0\"></span>the same control pr<span class=\"_ _0\"></span>ocesses and policies.<span class=\"_ _3e0\"> </span>Credit quality<span class=\"_ _0\"></span> per class of financial assets<span class=\"_ _3e0\"> </span>The credit quality<span class=\"_ _0\"></span> of financial assets is managed by<span class=\"_ _0\"></span> the Gr<span class=\"_ _0\"></span>oup through internal and e<span class=\"_ _0\"></span>xternal credit ratings used in E<span class=\"_ _0\"></span>CL calculations. For c<span class=\"_ _0\"></span>orporate loan portfolios, <span class=\"_ _0\"></span>the Group runs an internal r<span class=\"_ _0\"></span>ating model in which its customers are r<span class=\"_ _0\"></span>ated fr<span class=\"_ _0\"></span>om 1 to 7 using internal grades. <span class=\"_ _0\"></span>The models incorporate both qualit<span class=\"_ _0\"></span>ative and quantitative inf<span class=\"_ _0\"></span>ormation and, in addition to inf<span class=\"_ _0\"></span>ormation specific to each borrower<span class=\"_ _5\"></span>, utilising supplemental external inf<span class=\"_ _0\"></span>ormation that could af<span class=\"_ _0\"></span>fect the borro<span class=\"_ _0\"></span>wer<span class=\"_ _2\"></span>\u2019<span class=\"_ _0\"></span>s behaviour<span class=\"_ _d\"></span>. It is the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s policy to main<span class=\"_ _0\"></span>tain accurate and c<span class=\"_ _0\"></span>onsistent risk ratings acr<span class=\"_ _0\"></span>oss the credit portf<span class=\"_ _0\"></span>olio. This <span class=\"_ _0\"></span>facilitates f<span class=\"_ _0\"></span>ocused management of the applicable risks and the comparison of cr<span class=\"_ _0\"></span>edit exposures acr<span class=\"_ _0\"></span>oss all lines of business, geogr<span class=\"_ _0\"></span>aphic regions and products. <span class=\"_ _0\"></span>The rating system is supported by<span class=\"_ _0\"></span> a variety o<span class=\"_ _0\"></span>f financial analytics to provide <span class=\"_ _0\"></span>the main inputs for <span class=\"_ _0\"></span>the measurement of coun<span class=\"_ _0\"></span>terpart<span class=\"_ _2\"></span>y risk. All in<span class=\"_ _0\"></span>ternal risk ratings ar<span class=\"_ _0\"></span>e tailored <span class=\"_ _0\"></span>to the various categories and ar<span class=\"_ _0\"></span>e derived in accor<span class=\"_ _0\"></span>dance with the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _0\"></span>s rating policy<span class=\"_ _d\"></span>. At<span class=\"_ _0\"></span>tributable risk ratings ar<span class=\"_ _0\"></span>e assessed and updated regularly<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span>For R<span class=\"_ _0\"></span>etail, Micro and SME loans, the Gr<span class=\"_ _0\"></span>oup uses external r<span class=\"_ _0\"></span>atings provided b<span class=\"_ _0\"></span>y Credit Bur<span class=\"_ _0\"></span>eau. The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s treasury<span class=\"_ _d\"></span>, trading and inter<span class=\"_ _0\"></span>-bank relationships and counterparties comprise <span class=\"_ _0\"></span>financial ser<span class=\"_ _2\"></span>vices institutions, banks and brok<span class=\"_ _0\"></span>er-dealers. For<span class=\"_ _0\"></span> these, wher<span class=\"_ _0\"></span>e external ratings pr<span class=\"_ _0\"></span>ovided by<span class=\"_ _0\"></span> rating agencies ar<span class=\"_ _0\"></span>e available, the Group Cr<span class=\"_ _0\"></span>edit Risk department uses such external r<span class=\"_ _0\"></span>atings. For those <span class=\"_ _0\"></span>where external r<span class=\"_ _0\"></span>atings are not av<span class=\"_ _0\"></span>ailable internal ratings are as<span class=\"_ _0\"></span>signed.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws internal and external gr<span class=\"_ _0\"></span>ades used in ECL calculating.<span class=\"_ _3e0\"> </span><table class=\"s wfeb h15e\" id=\"_23609b61-0ecb-472d-844f-858a59e9cd30\"><tr><td></td><td></td><td></td><td class=\"t m1 x4e0 h77 y4e27 ff2 fs1d fc1 sc0 ls0 ws0\">External Rating Grade<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4e29 wfec h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Description*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190c y4e29 wfed h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Internal Rating Grades<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x190d y4e29 wfee h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Credit Bur<span class=\"_ _0\"></span>eau<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x190e y4e29 wfef h101\"><div class=\"t m1 x1c5 h77 y4e28 ff2 fs1d fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d &amp; Poor\u2019s<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e2a ffb fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e2b wff0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aaa<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1910 y4e2b w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1911 y4e2b wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e2b wff2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AAA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2c wff3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1913 y4e2c wff4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1914 y4e2c wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1915 y4e2c wff6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">AA+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2d wff7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1916 y4e2d w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1917 y4e2d wff8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1918 y4e2d wff9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsaf ws46\">AA<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2e wffa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">Aa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e2e wffb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">2-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191a y4e2e w723 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191b y4e2e wffc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A<span class=\"_ _2\"></span>A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e2f wffd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191c y4e2f wffe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191d y4e2f wfff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">C3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191e y4e2f w1000 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e30 w1001 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x191f y4e30 w6b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x191e y4e30 wff1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e31 w1002 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">A3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1920 y4e31 w1003 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1921 y4e31 wdd8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">A-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e32 w1004 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1922 y4e32 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1923 y4e32 w1005 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e33 w980 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1924 y4e33 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1925 y4e33 w1006 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e34 ffb fs8 fc1 sc0 ls0 ws0\">Standar<span class=\"_ _0\"></span>d grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e35 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Baa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1926 y4e35 w1008 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">4-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1927 y4e35 w1009 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BBB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e36 w100a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1928 y4e36 wec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1929 y4e36 w100b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1912 y4e36 w100c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e37 w100d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192a y4e37 w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192b y4e37 w100e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192c y4e37 w100f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e38 w1010 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Ba3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192d y4e38 w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192e y4e38 w1012 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">D3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x192f y4e38 w1013 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">BB-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e39 wdc8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1919 y4e39 w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6+<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1930 y4e39 w1014 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4e3a w1015 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1931 y4e3a w210 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1932 y4e3a wff5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e3b ffb fs8 fc1 sc0 ls0 ws0\">Low grade<span class=\"_ _3e0\"> </span></td><td class=\"c n x190f y4e3c w1016 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1933 y4e3c w1011 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6-<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1934 y4e3c wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1932 y4e3c w1017 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">B-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4c22 w1018 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1935 y4c22 w822 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7+<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1936 y4c22 w1019 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1937 y4c22 w101a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _2\"></span>+<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bee wdc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1938 y4bee w2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1570 y4bee w101b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">E3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1939 y4bee w101c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4bf1 w981 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Caa3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193a y4bf1 w101d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsb0 ws101\">7-<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x193b y4bf1 w101e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CCC-<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x190f y4ac9 wa6d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">Ca<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x193c y4ac9 w101f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">CC<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x193d h1b y4e3d ff2 fs8 fc1 sc0 ls0 ws0\">C<span class=\"_ _3e0\"> </span></td></tr></table>* <span class=\"_ _299\"> </span>Grades are not supposed to be linked <span class=\"_ _0\"></span>to each other across the r<span class=\"_ _0\"></span>ating categories above.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws the credit quality b<span class=\"_ _0\"></span>y class of<span class=\"_ _0\"></span> asset in the statement of financial po<span class=\"_ _0\"></span>sition, presented in gr<span class=\"_ _0\"></span>oss amounts, based on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s credit r<span class=\"_ _0\"></span>ating system.<span class=\"_ _3e0\"> </span>A def<span class=\"_ _0\"></span>aulted financial asset that is past due mor<span class=\"_ _0\"></span>e than 90 days is assessed as a non-performing loan or as de<span class=\"_ _0\"></span>termined on an individual basis based on other available in<span class=\"_ _0\"></span>formation r<span class=\"_ _0\"></span>egarding financial difficulties of<span class=\"_ _0\"></span> the borrower<span class=\"_ _5\"></span>.<span class=\"_ _3e0\"> </span>Other financial assets include r<span class=\"_ _0\"></span>eceivables f<span class=\"_ _0\"></span>rom remitt<span class=\"_ _0\"></span>ance operations and other r<span class=\"_ _0\"></span>eceivables.<span class=\"_ _3e0\"> </span><table class=\"s w1020 h11b\" id=\"_79e58145-053c-49bf-9801-92567e6213eb\"><tr><td class=\"c n x1ca y4c99 w1021 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193f y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4b43 w1023 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _5\"></span>,876<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1940 y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x142f y4b44 w7a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,90<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1941 y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15aa y4b45 w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,398<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1943 y4b46 w495 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">293,061<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1944 y4aa3 w1027 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,078,242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1945 y4aa3 w1028 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,078,242<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1029 h15f\" id=\"_a2e1b493-5fd4-4a3c-a17e-4fa4445de6b1\"><tr><td class=\"c n x1ca y4e3e w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4e3e w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4e3e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1947 y4b45 w102b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>73<span class=\"_ _2\"></span>4,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10eb y4b45 w102c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,734,224<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1948 y4b46 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1949 y4b46 w102d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194a y4aa3 w5be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194b y4aa3 w102e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,753,551<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w102f h14c\" id=\"_bdf6e769-dd19-4fb0-b6fe-29eb63f46247\"><tr><td class=\"c n x1ca y4dd9 w1030 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194c y4dd9 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194d y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194e y4b44 wfe2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x194f y4b44 w203 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">415,<span class=\"_ _0\"></span>713<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1950 y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed y4b45 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">160,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1952 y4adf w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x973 y4aa3 w480 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1953 y4aa3 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">691,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w610 h160\" id=\"_937683fd-8f24-4fa1-9250-cdae39d751d7\"><tr><td class=\"c n x1ca y4e3f w1033 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e3f w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e3f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1955 y4b44 w1034 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>147<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1956 y4b44 w1035 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,277<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>147<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1957 y4b45 w1036 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,058,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1958 y4b45 w1037 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,058,495<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1959 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbc9 y4b46 w1038 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,518<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195a y4aa3 w1039 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaff y4aa3 w103a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,424<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h11d\" id=\"_3782ac42-9f14-4179-bf27-0633998465dd\"><tr><td class=\"c n x1ca y4c9b w103c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4c9b w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4da1 w103d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,388,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1960 y4da1 w238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1961 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1058 y4da1 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1962 y4da1 w103e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,457<span class=\"_ _d\"></span>,095<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1963 y4b42 w103f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,389<span class=\"_ _0\"></span>,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1964 y4b42 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,79<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1965 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1966 y4b42 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1967 y4b42 wb4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,449<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b43 w5d8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,487<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1969 y4b43 w129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">372,006<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196b y4b43 we1d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">505,493<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c9d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c9d w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">464,<span class=\"_ _0\"></span>999<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196d y4c9d wcc2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196e y4c9d w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4c9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196f y4c9d w55b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">481,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e40 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b46 w1043 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1973 y4b46 w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1974 y4b46 w558 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,845<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w688 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,376,888<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c5 y4aa3 w689 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">515,789<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c6 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">101,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c7 y4aa3 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c8 y4aa3 w68c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1044 h161\" id=\"_4db77139-add7-42cc-b19d-7caa4e401957\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195f y4dc5 w1046 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,3<span class=\"_ _2\"></span>46,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197a y4dc5 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,608<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x197b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197c y4dc5 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197d y4dc5 w1047 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,362<span class=\"_ _2\"></span>,316<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197e y4b41 wb65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x197f y4b41 w35c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,712<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1980 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1981 y4b41 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1982 y4b41 w1048 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">763,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1983 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1984 y4b42 w104a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">116,000<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x9e1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1985 y4b42 w256 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1986 y4b42 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">208,847<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w104c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">153,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1988 y4c0f w104d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">732<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1989 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198a y4c0f w104e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198b y4c0f wa12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,<span class=\"_ _0\"></span>126<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e41 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198c y4b45 w104f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198d y4b45 w1050 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198e y4b45 w7ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,214<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x198f y4b45 wbd7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1992 y4adf wcbe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _0\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1993 y4adf w1051 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1994 y4adf w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6c y4aa3 w6fd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,300,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6d y4aa3 w6fe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>4,052<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n xa6e y4aa3 w6ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6f y4aa3 w34a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,<span class=\"_ _0\"></span>189<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa70 y4aa3 w700 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1052 h161\" id=\"_ede9b79c-57c3-42dc-9475-b493f3034c25\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1999 y4b40 w1054 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>80,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199a y4b40 w1055 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199b y4b40 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">316<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x899 y4b40 w1056 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,511,217<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4b41 w1057 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,012,833<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1143 y4b41 w1058 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10a7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199d y4b41 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199e y4b41 w1059 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,086,<span class=\"_ _d\"></span>986<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 w105a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a0 y4b42 w569 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a1 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a2 y4b42 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b42 w1049 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,552<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w105b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,<span class=\"_ _d\"></span>137<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a5 y4b43 w105c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a6 y4b43 w3b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a7 y4b43 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,479<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e42 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1972 y4b45 w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _5\"></span>,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4b45 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a9 y4b45 w11f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19aa y4b46 w3e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ab y4b46 w105d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ac y4b46 w105e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>18<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9c4 y4aa3 w75f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,7<span class=\"_ _0\"></span>09<span class=\"_ _0\"></span>,870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf7 y4aa3 w68a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">191,530<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf8 y4aa3 w760 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">168,425<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xaf9 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafa y4aa3 w762 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,073,022<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w105f h162\" id=\"_1f2363b0-8e5c-45d3-8ef0-0ccbae52fd33\"><tr><td class=\"c n x1ca y4e43 w1060 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4e43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4e43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4e43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4e43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4e43 w64b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b2 y4e44 w1061 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,693,7<span class=\"_ _0\"></span>67<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b3 y4e44 w1062 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b4 y4e44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b5 y4e44 w958 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x894 y4e44 w1063 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,704,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b6 y4e45 w52e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>179,<span class=\"_ _0\"></span>793<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b7 y4e45 w1064 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,<span class=\"_ _d\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1225 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b8 y4e45 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,069<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b9 y4e45 w1065 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,233,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e46 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4e46 w1066 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">233,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bb y4e46 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4e46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bc y4e46 w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bd y4e46 w1067 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">411,<span class=\"_ _d\"></span>981<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4e47 w1068 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">218,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19bf y4e47 w1069 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c0 y4e47 w72e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c1 y4e47 wd70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,<span class=\"_ _d\"></span>180<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e48 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c2 y4b45 wda2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>1,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c3 y4b45 w106a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c4 y4b45 w3b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,67<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c5 y4adf wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>795<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c6 y4adf w106b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,3<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c7 y4adf w106c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,<span class=\"_ _0\"></span>135<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb88 y4aa3 w7be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,325,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb89 y4aa3 w7bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">234<span class=\"_ _2\"></span>,229<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8a y4aa3 w7c0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">111,4<span class=\"_ _2\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8b y4aa3 w66c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb8c y4aa3 w5f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">4<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>69<span class=\"_ _39\"></span>9,96<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h163\" id=\"_17e70ae4-b965-43ce-a3c7-063bace4cfb4\"><tr><td class=\"c n x1ca y4e43 w106d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4e43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4e43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4e43 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4e43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4e43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e49 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cc y4e49 w76a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cd y4e49 w3b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ce y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4e49 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cf y4e49 w73b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d0 y4e45 w106e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">40,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d1 y4e45 w66f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb14 y4e45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc3 y4e45 w7c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,228<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e4a w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d2 y4e4a w106f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d3 y4e4a wbc4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4e4a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4e4a w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e47 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4e47 w1070 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,538<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe4c y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d4 y4e47 w1071 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4e47 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d5 y4e47 w1072 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,811<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w1073 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d7 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d8 y4b45 w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,566<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19da y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19db y4b46 w1074 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,277<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc09 y4aa3 w56b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _0\"></span>,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4aa3 w810 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0b y4aa3 w811 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x789 y4aa3 w496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1075 h161\" id=\"_b1c059bf-8b23-4ca9-851f-d9bfa4e797e7\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dc y4b40 wdc7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,832<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19dd y4b40 w1077 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19df y4b40 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e0 y4b40 wa43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e1 y4b41 w1078 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e2 y4b41 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e3 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e4 y4b41 wb9d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14b3 y4b41 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,809<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e5 y4b42 w9b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">475<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e6 y4b42 w52c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e7 y4b42 wa5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e8 y4b42 wac3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,897<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19e9 y4b43 w1079 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0a y4b43 wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,506<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19eb y4b43 w982 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>485<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d6 y4b45 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _d\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ec y4b45 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe0a y4b45 w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,553<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ed y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ee y4b46 w51f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ef y4b46 w10c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">557<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1166 y4aa3 wba6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86d y4aa3 wba7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ec y4aa3 w50a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>161<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1167 y4aa3 wba8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19,081<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1168 y4aa3 wb75 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">73,487<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w107a h120\" id=\"_7159cbb6-6027-44e4-a640-f91ab6185926\"><tr><td class=\"c n x1ca y4ca0 w107b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4ca0 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f3 y4b46 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52,696<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f4 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f5 y4aa3 w7e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">52,696<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1020 h120\" id=\"_9a15f5c5-4379-44ff-a6f9-7b3740434e01\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1951 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f7 y4b46 w4fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90f y4aa3 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">154,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f8 y4aa3 we82 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15<span class=\"_ _2\"></span>4,765<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we39 h161\" id=\"_5be700d6-464f-472d-870b-e6922f15340c\"><tr><td class=\"c n x1ca y4d43 w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4b40 w3a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">997<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17f9 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3b y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ff y4b40 w107e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>97<span class=\"_ _d\"></span>,529<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a00 y4da1 w107f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _5\"></span>,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a01 y4da1 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18eb y4da1 w3b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">347<span class=\"_ _d\"></span>,272<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,715<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a02 y4b42 wb39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">161,350<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a03 y4b42 w1081 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">426,065<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4b43 w1082 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140<span class=\"_ _0\"></span>,467<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b43 w1083 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x869 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2ba y4b43 w1084 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e4d ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a05 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a07 y4b45 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19d9 y4b46 we34 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,7<span class=\"_ _0\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a08 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a09 y4b46 w953 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>74<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0a y4aa3 w1085 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _d\"></span>49,<span class=\"_ _0\"></span>726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0b y4aa3 w697 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,615<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa16 y4aa3 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,656<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0d y4aa3 w652 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>918,997<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1086 h164\" id=\"_77cf8b2e-36b4-4b08-acec-b04486bf41ac\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e4e w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e4e w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e4e w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0e y4c0f w96a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,260<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1841 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb59 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a0f y4c0f w1088 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _d\"></span>,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a10 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a11 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc0 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a13 y4b44 w1089 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe18 y4b45 w108a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a16 y4b45 w108b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">307<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a18 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a19 y4adf w3b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">432<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1a y4aa3 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,545<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1b y4aa3 wefe hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _0\"></span>,545<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w108d h165\" id=\"_7fc698ba-db59-447b-95fc-3b2e8160aac4\"><tr><td class=\"c n x1ca y4e4f w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4e4f w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4e4f w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e4f w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4e4f w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4e4f w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1a w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1d y4e1a w605 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,644<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1e y4e1a w6f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1f y4e1a w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9f4 y4e1a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a20 y4e1a we8b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">668,871<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1b w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a21 y4e1b w1041 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240,<span class=\"_ _d\"></span>974<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4e1b w882 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,203<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc92 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4e1b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a23 y4e1b w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>177<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e50 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4e50 w108f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,791<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4e50 w9b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf44 y4e50 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a25 y4e50 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a26 y4e50 w65e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,549<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e1d w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a27 y4e1d w1090 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>1,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a28 y4e1d w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4e1d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2a y4e1d wb38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">71,583<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e51 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e52 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4e52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4e52 w661 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>,76<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2b y4e52 wa55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2c y4e52 w1091 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,771<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w687 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2d y4aa3 w1092 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,004,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2e y4aa3 w1093 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _2\"></span>453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a2f y4aa3 w1094 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,776<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a30 y4aa3 wcb9 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a31 y4aa3 wf12 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">1,014,951<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1095 h166\" id=\"_c886010e-976b-4812-8deb-aaf91b6681fb\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a32 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a33 y4c99 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a34 y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a35 y4b43 w1096 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372,6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a36 y4b43 w1097 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,372<span class=\"_ _2\"></span>,649<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a37 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4b44 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">610,846<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4b45 w8bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3a y4b45 w23d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3b y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4b46 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,<span class=\"_ _d\"></span>178<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fd y4aa3 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3c y4aa3 w109a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,533,<span class=\"_ _0\"></span>139<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w109b h14c\" id=\"_88fcb3cf-e376-4b65-b058-33f14b0e7d97\"><tr><td class=\"c n x1ca y4dd9 w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3d y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4dd9 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a40 y4b44 w109c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,396,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a41 y4b44 wa9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,396,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a42 y4b45 w67f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,8<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d6 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a43 y4b45 w109d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,87<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a44 y4adf wdb9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a45 y4adf w109e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,577<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a46 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,438,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a47 y4aa3 w10a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,438,346<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10a1 h14c\" id=\"_66aa6327-ec33-4afa-889e-eeabec177a53\"><tr><td class=\"c n x1ca y4dd9 w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a48 y4dd9 w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a49 y4dd9 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4a y4dd9 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4b y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa20 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4c y4b44 w259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,337<span class=\"_ _d\"></span>,628<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x91d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x82f y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4d y4b45 w10a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4e y4adf w2a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a4f y4adf wde1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca8 y4adf w10a3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a50 y4aa3 w10a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,<span class=\"_ _0\"></span>916<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a51 y4aa3 wcdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,619<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6 y4aa3 w5f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>962,535<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wd83 h161\" id=\"_f01b4150-47d1-43bb-b2a6-69ee988dd5e5\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a52 y4dc5 w832 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,484<span class=\"_ _2\"></span>,436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a53 y4dc5 w10a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x93f y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4dc5 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a54 y4dc5 w60d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,563,253<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xace y4b41 w10a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _2\"></span>66,457<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x807 y4b41 w10a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a55 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a56 y4b41 w6b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a57 y4b41 w10a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _0\"></span>041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a58 y4b42 w10a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a59 y4b42 w10aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _2\"></span>1,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5a y4b42 w10ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>187<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5b y4b42 w10ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">631,870<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4c0f w10ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">322,<span class=\"_ _d\"></span>120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5c y4c0f w44a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,341<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5d y4c0f w8ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5e y4c0f w10ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">343,066<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e53 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 wb79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">169<span class=\"_ _0\"></span>,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a60 y4b45 wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,453<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a61 y4b45 w5fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184,<span class=\"_ _d\"></span>114<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a62 y4adf w10af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a63 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a64 y4adf wacd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,322<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x983 y4aa3 w64d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,511,821<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x984 y4aa3 w64e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">611,307<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x985 y4aa3 w64f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">176,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x986 y4aa3 w650 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,9<span class=\"_ _0\"></span>50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x987 y4aa3 wbd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10b0 h161\" id=\"_9ea56212-9baf-4c67-a8f4-86cfdfde568d\"><tr><td class=\"c n x1ca y4d43 w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4d43 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a65 y4b40 w10b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>020,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a66 y4b40 w10b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc82 y4b40 w729 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a68 y4b40 w10b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,047<span class=\"_ _5\"></span>,206<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a69 y4b41 w10b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">657<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>117<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6a y4b41 w7e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,241<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd47 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6b y4b41 wd24 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>46<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6c y4b41 wa1f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">698,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>484<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6d y4b42 wf5e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,764<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6e y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a6f y4b42 wb83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a70 y4b42 we1b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">219<span class=\"_ _0\"></span>,650<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4b43 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,681<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a72 y4b43 w10b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a73 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdc2 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a74 y4b43 wfe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e54 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a75 y4b45 w10b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a76 y4b45 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a77 y4b45 w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _0\"></span>723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a79 y4b46 w10b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">2<span class=\"_ _2\"></span>,<span class=\"_ _39\"></span>474<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7a y4b46 w10ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,<span class=\"_ _0\"></span>058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w6d4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>925,906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7b y4aa3 wfdf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">169,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7c y4aa3 w6d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">69,65<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7d y4aa3 w6d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7e y4aa3 wd9c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10bb h161\" id=\"_29a9181d-82f7-4d61-9302-7bcffa8ac430\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a7f y4b40 w10bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,026,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a80 y4b40 w2d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,580<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x92e y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a81 y4b40 w10bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a82 y4b40 w10be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,070,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199c y4da1 w527 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,022,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a83 y4da1 w45c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">6<span class=\"_ _39\"></span>7,9<span class=\"_ _39\"></span>5<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbee y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a84 y4da1 w8ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a85 y4da1 w10bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,091,082<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a86 y4b42 w10c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">145,066<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a87 y4b42 w10c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75,7<span class=\"_ _0\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a88 y4b42 w75c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a89 y4b42 wa8e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">220,893<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a4 y4b43 w10c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281,391<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8a y4b43 w763 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,<span class=\"_ _d\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8b y4b43 w3a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8c y4b43 w10c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">207<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8d y4b43 w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294,750<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e55 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8e y4b45 w151 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,<span class=\"_ _d\"></span>965<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a8f y4b45 w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a90 y4b45 w10c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,623<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a92 y4b46 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a93 y4b46 w10c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>768<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa35 y4aa3 w739 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd75 y4aa3 w905 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">200,463<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdd4 y4aa3 w73b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">146,517<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa80 y4aa3 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,8<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a94 y4aa3 w10c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w37c h161\" id=\"_bf66f877-f170-4783-852a-138c2cdd584f\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a95 y4dc5 w10c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,003,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a96 y4dc5 w10c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe40 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a97 y4dc5 w77b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4dc5 w10ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,019<span class=\"_ _0\"></span>,295<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">872<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>122<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9a y4b41 w10cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _0\"></span>737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf5c y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9b y4b41 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>63<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a3 y4b41 w10cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _2\"></span>13,622<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b42 w10b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9c y4b42 w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">159<span class=\"_ _d\"></span>,751<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9e y4b42 wd45 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9f y4b42 w10cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _2\"></span>4,691<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196c y4c0f w10ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">164<span class=\"_ _2\"></span>,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa0 y4c0f w972 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa1 y4c0f w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe96 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa2 y4c0f w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e56 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w10d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">70<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa4 y4b45 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa5 y4b45 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa6 y4adf w106a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa7 y4adf wbe7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa8 y4adf w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,525<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4c y4aa3 w793 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,243,<span class=\"_ _0\"></span>191<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb4d y4aa3 w794 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa9 y4aa3 w956 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">121,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaa y4aa3 wa0b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,99<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aab y4aa3 w797 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s we99 h13c\" id=\"_22526500-bfdd-43bc-8b87-100bc7713eec\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aac y4b40 w10d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aad y4b40 w6c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aaf y4b40 wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,830<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab0 y4b41 w84d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,456<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab1 y4b41 w10d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,077<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab2 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab3 y4b41 w10d3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>4,533<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199f y4b42 wd0d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _d\"></span>,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab4 y4b42 w10d4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab5 y4b42 w10d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>6,848<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab6 y4b43 w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab7 y4b43 w6ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab8 y4b43 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc22 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab9 y4b43 wb83 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e57 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aba y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abb y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abc y4b45 w69b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abd y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abf y4b46 w734 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe3 y4aa3 w7f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe4 y4aa3 w7f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac0 y4aa3 w3bd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,416<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac1 y4aa3 w7f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,554<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10d6 h167\" id=\"_81ec2892-9052-46cb-bda6-5f718fa0cbdf\"><tr><td class=\"c n x1ca y4dcb w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4dcb w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4dcb w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4dcb w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4dcb w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4dcb w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac2 y4b41 w10d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac3 y4b41 w10d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac4 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa60 y4b41 w10d9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac6 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b4 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d2 y4b42 w7a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">694<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac7 y4c0f wb37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac8 y4c0f w77b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,262<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ac9 y4c0f w10da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>101<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aca y4c0f w5e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">48,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e58 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acb y4b45 we53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,814<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acc y4b45 w10db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b45 wc5f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,723<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ace y4adf w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acf y4adf w444 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad0 y4adf wd0a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,5<span class=\"_ _2\"></span>42<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad1 y4aa3 w10dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad2 y4aa3 w8cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad3 y4aa3 w10de hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd0e y4aa3 wb90 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,211<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad4 y4aa3 w639 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">95,348<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10df h120\" id=\"_98066e8c-d4cc-4f66-be58-98f7747ab9b7\"><tr><td class=\"c n x1ca y4ca0 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad5 y4ca0 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad6 y4ca0 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad7 y4ca0 w738 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad8 y4ca0 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc01 y4ca0 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19be y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ad9 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ada y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adb y4b46 w10e0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adc y4aa3 w10e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _d\"></span>111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ade y4aa3 w10e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">400,<span class=\"_ _0\"></span>111<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w449 h168\" id=\"_c0491a9d-02c9-485e-a48b-97ecb3b231cc\"><tr><td class=\"c n x1ca y4e59 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1adf y4e59 w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1c y4e59 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae0 y4e59 w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae1 y4e59 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae2 y4e59 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a71 y4adf w98b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x359 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe52 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9ea y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae3 y4adf w10e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae4 y4aa3 w10e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae5 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x164e y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc0c y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae6 y4aa3 w10e5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10e6 h11d\" id=\"_ffc9d3c1-1c53-4780-995a-3350fc0e687f\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x103a y4c9b w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f9 y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fa y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fb y4c9b w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fc y4c9b w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b41 w10e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>049<span class=\"_ _0\"></span>,817<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae8 y4b41 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb6a y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae9 y4b41 w10e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,049<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aea y4b42 w10e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aeb y4b42 w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8f2 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x80d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aec y4b42 w10ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">246,27<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ba y4b43 w85 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,983<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aed y4b43 w10eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aef y4b43 w4c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">244,080<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b44 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,278<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af0 y4b44 w677 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">111<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x799 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af2 y4b44 w10ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5a ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af3 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af4 y4b46 w982 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af5 y4aa3 w10ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,678,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af6 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,668<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af7 y4aa3 w10ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af8 y4aa3 w10f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _2\"></span>17<span class=\"_ _d\"></span>,308<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10f1 h14c\" id=\"_e797c790-9757-4977-a9dc-493249f5b024\"><tr><td class=\"c n x1ca y4dd9 w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4dd9 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4dd9 w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4dd9 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4dd9 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4dd9 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1af9 y4b44 w10f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6,091<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xca1 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb36 y4b44 waf6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,091<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afa y4b45 w10f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa87 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afb y4b45 w10f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,6<span class=\"_ _0\"></span>71<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a17 y4adf w10f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afc y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x847 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afd y4adf w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1afe y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x827 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5f6 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x175f y4aa3 w748 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">116,309<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w10f7 h161\" id=\"_90c3e56a-24f3-422f-a3cb-91ee0988f8a8\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a1c y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb98 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9a y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb9b y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fd y4dc5 w10f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aff y4dc5 w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b00 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b01 y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1118 y4dc5 w10f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">498,4<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a99 y4b41 w10fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b02 y4b41 w10fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>168<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1989 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b03 y4b41 w10fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,087<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b04 y4b42 w10fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a22 y4b42 w10fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,829<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b05 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd4d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4b42 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b06 y4c0f w10ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b07 y4c0f w6c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b09 y4c0f w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1111 y4c0f w1100 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,219<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5b ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18a9 y4b45 wbb4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0a y4b45 w69a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0b y4b45 w6f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,538<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0c y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12ca y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0d y4adf w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">199<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w64c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0e y4aa3 w1101 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">852,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b0f y4aa3 w1102 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,385<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b10 y4aa3 w761 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w1103 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18ee y4aa3 w1104 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">869<span class=\"_ _0\"></span>,061<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1105 h166\" id=\"_c0a2d07f-d502-4896-a4fc-d67a3fd96e0e\"><tr><td class=\"c n x1ca y4c99 w1021 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Cash and cash equivalen<span class=\"_ _0\"></span>ts, ex<span class=\"_ _0\"></span>cluding cash on hand<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x498 y4c99 w6d2 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x193e y4c99 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1774 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b11 y4b43 w6aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">480,889<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b12 y4b44 w1106 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,<span class=\"_ _d\"></span>953<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b13 y4b44 w8eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,953<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b14 y4b45 w8ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b15 y4b45 w1107 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x283 y4b46 w1108 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209<span class=\"_ _0\"></span>,548<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa26 y4b46 w1109 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209,548<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1673 y4aa3 w110a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">7<span class=\"_ _0\"></span>69,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4aa3 w110b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">769<span class=\"_ _d\"></span>,52<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w110c h11c\" id=\"_f9f4fe34-0fad-413e-9208-c1ee35c969a8\"><tr><td class=\"c n x1ca y4c9a w102a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amounts due from cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1946 y4c9a w6d2 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x113b y4c9a w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b17 y4ade w110d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>903,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b18 y4ade w110e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,90<span class=\"_ _0\"></span>3,301<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b19 y4adf w510 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _2\"></span>420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1a y4adf wa2c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,420<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1b y4aa3 w110f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>1,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1c y4aa3 w837 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,931,<span class=\"_ _0\"></span>721<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1110 h164\" id=\"_a2ea9533-0529-4d5d-8eba-65636c6c7103\"><tr><td class=\"c n x1ca y4e4e w1033 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Investmen<span class=\"_ _0\"></span>t securities measured at FVOCI \u2013 debt instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1176 y4e4e w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1954 y4e4e w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1d y4c0f w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1e y4c0f w1112 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,031,369<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b1f y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b20 y4b44 w347 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b21 y4ade w5cf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b22 y4ade wadf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,804<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b23 y4adf w7e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b24 y4adf w1113 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,<span class=\"_ _d\"></span>948<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b25 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,589<span class=\"_ _0\"></span>,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b26 y4aa3 w109f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,589,228<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w108d h161\" id=\"_5503c237-8f3c-4fd4-9724-a1736f5055d7\"><tr><td class=\"c n x1ca y4d43 w103c h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Commercial loans at amortised cos<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ae7 y4b40 w1115 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,815,718<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b27 y4b40 w1116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a9d y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b28 y4b40 wc3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,827<span class=\"_ _d\"></span>,487<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b29 y4da1 w1117 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,318,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2a y4da1 wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,392<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b08 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2b y4da1 w1027 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,485,005<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2c y4b42 w1118 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">369<span class=\"_ _d\"></span>,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2d y4b42 wbe6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">176,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb0b y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2e y4b42 w1119 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>131<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b2f y4b42 w99 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">552,423<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b30 y4b43 w111a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">430,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b31 y4b43 w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,536<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfc2 y4b43 wd11 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e5 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b32 y4b43 w79 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">454<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5c ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aa3 y4b45 w111b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">212<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>13<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b33 y4b45 w111c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b34 y4b45 w111d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b35 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b36 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b37 y4b46 w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,267<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc42 y4aa3 w829 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,934,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xeb9 y4aa3 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">374,<span class=\"_ _0\"></span>933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xec5 y4aa3 w9ef hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">226,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1511 y4aa3 w9e6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b38 y4aa3 w111e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,554,184<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wd7a h169\" id=\"_7b10725e-2d92-4516-8679-26a36f1cfc6e\"><tr><td class=\"c n x1ca y4e5d w1045 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Residential mortgage loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1975 y4e5d w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1976 y4e5d w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1977 y4e5d w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1978 y4e5d w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1979 y4e5d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc5 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b39 y4dc5 w111f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,751,<span class=\"_ _d\"></span>165<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3a y4dc5 w1120 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3b y4dc5 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4dc5 w1121 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3d y4dc5 w1122 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,820,462<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3e y4b41 w1123 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">616,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b41 w9dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,56<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b40 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b41 y4b41 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b42 y4b41 w2bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">705,513<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w1124 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b43 y4b42 w1125 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,<span class=\"_ _2\"></span>454<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa40 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b44 y4b42 w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4b42 w1127 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">223,<span class=\"_ _0\"></span>977<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a04 y4c0f w1128 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b45 y4c0f w91a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,818<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8cd y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b46 y4c0f wc2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,<span class=\"_ _0\"></span>917<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5e ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w1129 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _d\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b48 y4b45 w112a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>,767<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b49 y4b45 wc3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34,<span class=\"_ _0\"></span>907<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4adf w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4adf w66c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,374<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4a y4adf w311 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x127f y4adf w112b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,282<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccc y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,629,36<span class=\"_ _0\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xccd y4aa3 w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">259,<span class=\"_ _d\"></span>970<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1605 y4aa3 w112c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">104,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4b y4aa3 w864 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,205<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4c y4aa3 wa3a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w103b h161\" id=\"_c62b40cb-63a6-4c0b-85b3-3484c5097622\"><tr><td class=\"c n x1ca y4d43 w1053 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Micro and SME loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa22 y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1995 y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1996 y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1997 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1998 y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4d y4b40 w112d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>733,636<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4e y4b40 wea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,<span class=\"_ _d\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b4f y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b50 y4b40 w7cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b51 y4b40 w16d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,837<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b52 y4b41 w112e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">932,<span class=\"_ _0\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b53 y4b41 wbf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,631<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b54 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b55 y4b41 w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,588<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b56 y4b41 w112f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,024,328<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b57 y4b42 w597 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">108,<span class=\"_ _0\"></span>045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5eb y4b42 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">69<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a67 y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xff1 y4b42 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b58 y4b42 w1130 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,5<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b59 y4b43 w1131 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">506,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5a y4b43 w1040 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>740<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5b y4b43 w48 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5c y4b43 wa31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">536,<span class=\"_ _0\"></span>110<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e5f ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a5f y4b45 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5d y4b45 w592 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>125<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5e y4b45 w1132 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a91 y4b46 w1133 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,694<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b5f y4b46 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1acd y4b46 w1134 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">3<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd3c y4aa3 w8d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,280,<span class=\"_ _0\"></span>149<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfac y4aa3 wa7a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">293,<span class=\"_ _2\"></span>473<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfad y4aa3 w8db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">151,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4aa3 w298 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b61 y4aa3 wabd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,731,756<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1135 h161\" id=\"_88851f93-ee10-4045-824a-d8e536057d76\"><tr><td class=\"c n x1ca y4d43 w1060 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Consumer loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ad y4d43 w647 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ae y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19af y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b0 y4d43 w64a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19b1 y4d43 w64b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b62 y4b40 wbdd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x114b y4b40 w108c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b63 y4b40 w820 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b64 y4b40 wf3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,439,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b65 y4da1 w1136 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">758,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b66 y4da1 w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3a5 y4da1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b67 y4da1 w93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,640<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1223 y4da1 w1137 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,<span class=\"_ _0\"></span>150<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1968 y4b42 w675 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">272,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b68 y4b42 w5e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,897<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x196a y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1702 y4b42 w595 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,259<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f8 y4b42 w1138 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410,260<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1987 y4b43 wd2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">189<span class=\"_ _0\"></span>,021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b69 y4b43 w1139 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">96<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6a y4b43 wad1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">267<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d3 y4b43 wad8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">190,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e60 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b47 y4b45 w113a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6b y4b45 w718 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6c y4b45 w10d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">42,898<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a78 y4b46 w96c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6d y4b46 w113b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6e y4b46 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82,<span class=\"_ _0\"></span>919<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdb7 y4aa3 w930 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,635,438<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102d y4aa3 wadc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>15,026<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x102e y4aa3 wadd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,642<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b6f y4aa3 wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,199<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b70 y4aa3 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wf4c h13c\" id=\"_c9f345a4-12c1-4e9e-a412-e0abe6031baa\"><tr><td class=\"c n x1ca y4d43 w106d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans at amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1580 y4d43 w647 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c8 y4d43 w648 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19c9 y4d43 w738 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ca y4d43 w64a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19cb y4d43 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b71 y4b40 w78a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b72 y4b40 wa76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b73 y4b40 w22c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,776<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b74 y4b41 w113d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>90<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc89 y4b41 w10dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,606<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b75 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b76 y4b41 w113e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">44<span class=\"_ _2\"></span>,596<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a24 y4b42 w113f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,639<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b77 y4b42 w1140 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,215<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x945 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9dd y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b78 y4b42 wa96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,85<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w1dc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,677<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1980 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7a y4b43 w1141 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,677<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e61 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7b y4b45 w1142 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x128e y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7c y4b45 w1143 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,003<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7d y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7e y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b7f y4b46 w1144 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe38 y4aa3 w98b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe39 y4aa3 w98c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>116<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x108f y4aa3 wb15 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,514<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b80 y4aa3 w900 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">165,<span class=\"_ _2\"></span>417<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1145 h161\" id=\"_5950f0fc-27df-4179-ad9c-8425a5c79919\"><tr><td class=\"c n x1ca y4d43 w1076 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Finance lease rec<span class=\"_ _0\"></span>eivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd1 y4d43 w647 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195b y4d43 w648 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195c y4d43 w649 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195d y4d43 w64a h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">POCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x195e y4d43 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b81 y4b40 w1146 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,585<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b82 y4b40 w825 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4b40 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b83 y4b40 w4d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,806<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4da1 w1024 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b84 y4da1 w7af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b85 y4da1 wd2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b86 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b87 y4da1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x744 y4da1 w3a0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,0<span class=\"_ _0\"></span>70<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b88 y4b42 w218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b89 y4b42 w416 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,850<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8a y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d5 y4b42 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8b y4b42 wf1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,365<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88c y4b43 w653 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,737<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8c y4b43 wc99 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,780<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8d y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb86 y4b43 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd30 y4b43 w217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,517<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e62 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1970 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1971 y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8e y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1abe y4b45 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b8f y4b45 w255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">605<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1990 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1991 y4b46 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b90 y4b46 w5ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,00<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b91 y4b46 w5d2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b92 y4b46 wc57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,589<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b0 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">81,<span class=\"_ _d\"></span>174<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b1 y4aa3 wbd3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,584<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b2 y4aa3 wbd4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe20 y4aa3 w81d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,582<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11b3 y4aa3 w619 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">124,95<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s wdae h168\" id=\"_2967eb14-da25-414f-838c-8041dbc8fabd\"><tr><td class=\"c n x1ca y4e59 w107b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f0 y4e59 w1031 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f1 y4e59 w64b h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _2\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b93 y4adf w1147 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b94 y4adf w87e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4aa3 w929 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1803 y4aa3 w29a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,097<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1075 h120\" id=\"_8ab5d28c-111e-487b-89ce-7aced282d7cf\"><tr><td class=\"c n x1ca y4ca0 w107c h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Other financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4ca0 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f6 y4ca0 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _39\"></span>a<span class=\"_ _2\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19f2 y4adf w785 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b96 y4adf w1148 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b97 y4aa3 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b98 y4aa3 w1149 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">52<span class=\"_ _2\"></span>,575<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w114a h11d\" id=\"_15f52c9d-97a6-4610-90f9-c3ce757bbd9b\"><tr><td class=\"c n x1ca y4c9b w107d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Financial and performance guar<span class=\"_ _0\"></span>antees issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4c9b w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4c9b w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4c9b w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4c9b w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9d y4b41 w7d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30<span class=\"_ _0\"></span>7<span class=\"_ _d\"></span>,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4b41 w55d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19fe y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x619 y4b41 w987 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">331,944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9f y4b42 wb37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">91,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba0 y4b42 wb19 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,799<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba1 y4b42 w114b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba2 y4b43 w8eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,376<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba3 y4b43 w114c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,33<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa6a y4b43 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4b43 w114d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">61,710<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba5 y4b44 w104b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba6 y4b44 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f7 y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba7 y4b44 w114e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _d\"></span>188<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e63 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baa y4b46 w114f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bab y4b46 w1150 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bac y4aa3 w1151 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,650<span class=\"_ _0\"></span>,690<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bad y4aa3 w1152 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">35,<span class=\"_ _2\"></span>479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bae y4aa3 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls73 wsa7\">74<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1baf y4aa3 w1153 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,686,913<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1154 h164\" id=\"_b4d91767-4569-4b50-a8c7-de21a0d39fba\"><tr><td class=\"c n x1ca y4e4e w1087 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Letters of<span class=\"_ _0\"></span> credit<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb0 y4e4e w6d2 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb1 y4e4e w6d3 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3e y4e4e w649 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a3f y4e4e w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb2 y4c0f w1155 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1c y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4c0f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb3 y4c0f w1156 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">67<span class=\"_ _5\"></span>,925<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecd y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x89c y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4b44 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb4 y4b44 w7b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb5 y4ade w1157 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb6 y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4ade wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb7 y4ade w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">410<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb8 y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bb9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bba y4adf w218 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,598<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbb y4aa3 wc55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,67<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x828 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c4 y4aa3 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbc y4aa3 w1158 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">71,676<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1135 h161\" id=\"_8c6061a6-7bcb-40ab-97c0-2da3f2bab1fc\"><tr><td class=\"c n x1ca y4d43 w108e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wse4\">Undrawn loan facilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b99 y4d43 w1031 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9a y4d43 w648 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9b y4d43 w738 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Stage 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9c y4d43 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b40 w1022 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">High grade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbd y4b40 w1159 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">581,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbe y4b40 wde1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4b40 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bbf y4b40 w93a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">582,725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w1024 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Standard gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc0 y4b41 wd62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">121,37<span class=\"_ _d\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc1 y4b41 w115a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4b41 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc2 y4b41 w95a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,387<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w1025 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Low gr<span class=\"_ _0\"></span>ade<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc3 y4b42 w113c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,<span class=\"_ _0\"></span>986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc4 y4b42 w780 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,561<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ba y4b42 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc5 y4b42 w115b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,547<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w1026 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Not rated<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc6 y4b43 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc7 y4b43 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">240<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4b43 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x112a y4b43 w115c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,90<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e64 ff2 fs8 fc1 sc0 ls0 ws0\">Defaulted<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b45 w1042 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-performing<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc8 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bc9 y4b45 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bca y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcb y4b45 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b46 w6a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba8 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcc y4b46 wf50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcd y4b46 w682 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w828 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Balance at 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bce y4aa3 w115d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">799,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bcf y4aa3 w115e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,227<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd0 y4aa3 w6b3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd1 y4aa3 w115f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">809<span class=\"_ _0\"></span>,481<span class=\"_ _3e0\"> </span></div></td></tr></table>T<span class=\"_ _0\"></span>ypes of collater<span class=\"_ _0\"></span>al the Group acc<span class=\"_ _0\"></span>epts include real estate and mov<span class=\"_ _0\"></span>able properties as well as financial assets (<span class=\"_ _d\"></span>deposits, shares and guarantees<span class=\"_ _0\"></span>) and other register<span class=\"_ _0\"></span>ed liens. Measurement and pr<span class=\"_ _0\"></span>ocessing of collater<span class=\"_ _0\"></span>al is governed by<span class=\"_ _0\"></span> generally<span class=\"_ _0\"></span> acceptable standar<span class=\"_ _0\"></span>ds and collateral-specific ins<span class=\"_ _0\"></span>tructions. These tr<span class=\"_ _0\"></span>ansactions are structured under legally<span class=\"_ _0\"></span> verified standar<span class=\"_ _0\"></span>d agreements wher<span class=\"_ _0\"></span>e the pledges are secur<span class=\"_ _0\"></span>ed through public r<span class=\"_ _0\"></span>egistr<span class=\"_ _2\"></span>y wher<span class=\"_ _0\"></span>e eligible. The <span class=\"_ _0\"></span>following table sho<span class=\"_ _0\"></span>ws the ratio of <span class=\"_ _0\"></span>the loan portfolio to the mark<span class=\"_ _0\"></span>et value of collateral held b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup in respect of <span class=\"_ _0\"></span>the portfolio. As at 31 December<span class=\"_ _0\"></span> 2023, up to 80.<span class=\"_ _d\"></span>1% of the collat<span class=\"_ _0\"></span>eral held has been rev<span class=\"_ _0\"></span>alued within the last two <span class=\"_ _0\"></span>years (2022: 78.6%, 2021: 7<span class=\"_ _0\"></span>6.0%). F<span class=\"_ _0\"></span>or residential mortgage loans, in cases <span class=\"_ _0\"></span>where the collater<span class=\"_ _0\"></span>al for<span class=\"_ _0\"></span> a loan may not be officially<span class=\"_ _0\"></span> register<span class=\"_ _0\"></span>ed until its construction is complete, <span class=\"_ _0\"></span>the respective loan is shown as unsecur<span class=\"_ _0\"></span>ed, even though it is usually secur<span class=\"_ _0\"></span>ed by<span class=\"_ _0\"></span> the corporate guar<span class=\"_ _0\"></span>antee of the c<span class=\"_ _0\"></span>onstruction company<table class=\"s w1160 h16a\" id=\"_bb523984-f0d7-42bc-8ce9-cc4bd289c68a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e65 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e66 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e67 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e68 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e69 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e6a w1166 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e6a w1167 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e6b ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdf y4e6c w1168 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,017<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be0 y4e6c w96b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">837<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be1 y4e6c w1169 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,235,492<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be2 y4e6c w116a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,618,714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be3 y4e6c w103 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">297<span class=\"_ _5\"></span>,635<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be4 y4e6c w116b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">370,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be5 y4e6c w116c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>454,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be6 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">531,632<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4e6c w104c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be7 y4e6c w116d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">538,<span class=\"_ _0\"></span>946<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e6d w44e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be9 y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.62%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bea y4e6d w1170 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.55%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1beb y4e6d w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bec y4e6d w57 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.21%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bed y4e6d wb89 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.63%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bee y4e6d w1171 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bef y4e6d w489 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf0 y4e6d w1172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf1 y4e6d w1173 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.54%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e6e ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf2 y4e6f w623 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,557<span class=\"_ _d\"></span>,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf3 y4e6f wd6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">105,607<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf4 y4e6f w1175 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,097<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>126<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf5 y4e6f w1176 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>997<span class=\"_ _d\"></span>,629<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf6 y4e6f w521 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>13,407<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf7 y4e6f w605 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">533,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf8 y4e6f w27d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">175,455<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bf9 y4e6f w1177 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,7<span class=\"_ _39\"></span>83<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfa y4e6f w6a4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfb y4e6f w8b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _d\"></span>197<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfc y4e70 w1178 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfd y4e70 w1179 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.22%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bfe y4e70 w117a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.00<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e70 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c00 y4e70 wb1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c01 y4e70 w117b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c02 y4e70 w70e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c03 y4e70 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c04 y4e70 wbd3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.28%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c05 y4e70 w117d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.09%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c06 y4e71 w117f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,0<span class=\"_ _0\"></span>73,022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c07 y4e71 w1180 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">241,<span class=\"_ _0\"></span>068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c08 y4e71 w1181 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,575<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c09 y4e71 w1182 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>131,6<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0a y4e71 w1183 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">358,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0b y4e71 we1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">314,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0c y4e71 w7d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,<span class=\"_ _0\"></span>784<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0d y4e71 w1184 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0e y4e71 w95b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c0f y4e71 w1185 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,060<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4b08 w1186 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c11 y4b08 w1187 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.03%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c12 y4b08 w1188 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c13 y4b08 wb91 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c14 y4b08 w1189 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _0\"></span>79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c15 y4b08 w117c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c16 y4b08 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c17 y4b08 w2a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c18 y4b08 w118a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.57%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c19 y4b08 w118b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.75%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1a y4e72 w118c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls65 ws98\">4,69<span class=\"_ _2\"></span>9,<span class=\"_ _d\"></span>969<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1b y4e72 w118d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,266,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1c y4e72 wcd2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">815,573<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1d y4e72 w118e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">919,5<span class=\"_ _0\"></span>77<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1e y4e72 w118f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">330,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c1f y4e72 wb63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">257<span class=\"_ _d\"></span>,059<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c20 y4e72 w1190 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _5\"></span>,651<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c21 y4e72 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c22 y4e72 w172 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1125 y4e72 w654 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,285<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c23 y4e73 w1191 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c24 y4e73 w1192 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.<span class=\"_ _0\"></span>16%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c25 y4e73 w1193 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.01<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c26 y4e73 w1194 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c27 y4e73 w94e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c28 y4e73 w1195 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c29 y4e73 w470 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.61%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2a y4e73 w476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.85%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2b y4e73 w4f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2c y4e73 w48c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.62%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2d y4e74 w629 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,228<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2e y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c2f y4e74 w1196 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,362<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c30 y4e74 w1197 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">49<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c31 y4e74 w105a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">93,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c32 y4e74 w12b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c33 y4e74 w1198 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">790<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c34 y4e74 wf7c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1821 y4e74 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c35 y4e74 wa4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e75 w300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>93%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c37 y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c38 y4e75 w1199 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c39 y4e75 w2aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3a y4e75 w116f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3b y4e75 w119a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3c y4e75 w119b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3d y4e75 w618 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>6.09%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3e y4e75 w2b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c3f y4e75 w119c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81.82%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e76 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c40 y4aa3 w119e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,498,361<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c41 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>450,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c42 y4aa3 w11a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,038,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c43 y4aa3 w11a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>16,887<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c44 y4aa3 w11a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,693,661<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c45 y4aa3 w11a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,476,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c46 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,699,872<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c47 y4aa3 w11a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">632,810<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c48 y4aa3 w11a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa8 ws18\">16<span class=\"_ _0\"></span>9<span class=\"_ _d\"></span>,444<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c49 y4aa3 w11a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">620,510<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1160 h16a\" id=\"_d8a2b4ba-6485-48a9-aba9-0b6b351d2cf0\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e77 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e78 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e79 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e7a ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e7b ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e7c w1163 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e7c w1164 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e7c w1165 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e7c waf1 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e7c w16d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdd y4e7c w1166 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-<span class=\"_ _0\"></span>300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bde y4e7c w1167 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">300-400%</div></td><td class=\"t m1 x627 h77 y4e7d ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e7e w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4a y4e7e w11a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,315,666<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4b y4e7e w691 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>14,675<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4c y4e7e w11a9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,037<span class=\"_ _5\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4d y4e7e w11aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">900,866<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4e y4e7e w6fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,713<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4f y4e7e w5a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">245,750<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c4f y4e7e w11ab hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,243,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c50 y4e7e w940 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>17<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c51 y4e7e we07 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">70,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>94<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c52 y4e7e w7a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,<span class=\"_ _d\"></span>108<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c10 y4e6d w465 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c53 y4e6d w11ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c54 y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c55 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c56 y4e6d w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c57 y4e6d w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c58 y4e6d w11ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>14%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c59 y4e6d w11ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>18%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5a y4e6d w11af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5b y4e6d w11b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.01%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e7f ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5c y4e6f w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>193,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5d y4e6f w11b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,439<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5e y4e6f w11b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">981,0<span class=\"_ _0\"></span>34<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c5f y4e6f w11b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,859<span class=\"_ _0\"></span>,064<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c60 y4e6f w11b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">532<span class=\"_ _2\"></span>,412<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c61 y4e6f w11b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c62 y4e6f w496 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">230,274<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c63 y4e6f w6bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>114<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c64 y4e6f w11b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c65 y4e6f w11b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>483<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e80 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e80 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.72%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c66 y4e80 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c67 y4e80 w1193 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.0<span class=\"_ _2\"></span>1%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c68 y4e80 w94e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.38%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c69 y4e80 w11b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.00%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4e80 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.45%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6b y4e80 w474 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.0<span class=\"_ _0\"></span>7%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6c y4e80 w11ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6d y4e80 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6e y4e80 w11bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.06%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e81 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6f y4e81 wad7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,825,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c70 y4e81 w11bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">405,004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c71 y4e81 w11bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,<span class=\"_ _0\"></span>724<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c72 y4e81 w507 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c73 y4e81 w6db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">278,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c74 y4e81 w11be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,462<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c75 y4e81 w11bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">800<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>119<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c76 y4e81 wa68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c77 y4e81 w456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">3<span class=\"_ _2\"></span>0,<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c78 y4e81 w11c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,084<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4b08 w11c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c79 y4b08 waf9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.73%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7a y4b08 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7b y4b08 w11c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">0.<span class=\"_ _2\"></span>41<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7c y4b08 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7d y4b08 w11c3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _2\"></span>48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7e y4b08 w11c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c7f y4b08 wb89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.42%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c80 y4b08 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c81 y4b08 w11c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.88%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c82 y4e72 w11c6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,602,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c83 y4e72 w11c7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,794,0<span class=\"_ _0\"></span>35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c84 y4e72 w799 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">629<span class=\"_ _0\"></span>,846<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c85 y4e72 w11c8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">694,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c86 y4e72 w11c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">217<span class=\"_ _d\"></span>,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c87 y4e72 w10cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">174,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c88 y4e72 waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,286<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c89 y4e72 w11ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8a y4e72 w11cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8b y4e72 w11cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,812<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e82 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8c y4e82 w473 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">3<span class=\"_ _2\"></span>.76<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8d y4e82 w11cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.79%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8e y4e82 w312 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.03<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c8f y4e82 w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c90 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c91 y4e82 w470 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c92 y4e82 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.58%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c93 y4e82 w11cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c94 y4e82 w78e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>92%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c95 y4e82 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.53%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c96 y4e74 w11d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _2\"></span>4,55<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c97 y4e74 w11d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c98 y4e74 we4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,589<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c99 y4e74 w78a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,481<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9a y4e74 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,082<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdac y4e74 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2<span class=\"_ _2\"></span>,0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9b y4e74 w71e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9c y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9d y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9e y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4e75 w11d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.31%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca0 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca1 y4e75 wcd9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50.54%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca2 y4e75 w68b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca3 y4e75 w70c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.30%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca4 y4e75 w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca5 y4e75 w11d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca6 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca7 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x27e y4e75 w11d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84.21%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e83 ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfd\"><div class=\"t m1 x1c5 h1b y4af4 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca8 y4aa3 w62e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>101,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ca9 y4aa3 we23 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,034,154<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caa y4aa3 w11d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,542,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cab y4aa3 w11d6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,478,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cac y4aa3 w888 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>936<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cad y4aa3 w88d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>14<span class=\"_ _2\"></span>4,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cae y4aa3 w11d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,358,<span class=\"_ _2\"></span>432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1caf y4aa3 w11d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">427<span class=\"_ _d\"></span>,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb0 y4aa3 w55 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">105,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb1 y4aa3 w11d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">729<span class=\"_ _0\"></span>,506<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1160 h16a\" id=\"_6e1b7ef2-66c2-4655-986f-682767f0603a\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd2 h77 y4e84 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1bd3 h77 y4e85 ffb fs1d fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal gross </td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd4 h77 y4e86 ffb fs1d fc1 sc0 ls0 ws0\">Loan-to-value %<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x6d1 h77 y4e87 ffb fs1d fc1 sc0 ls0 ws0\">carrying </td><td></td><td class=\"t m1 x1bd5 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">Less than </td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1bd6 h77 y4e88 ffb fs1d fc1 sc0 ls0 wse4\">More than </td></tr><tr><td></td><td class=\"c n x4ff y4e6a w1161 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd7 y4e6a w1162 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Unsecured<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd8 y4e6a w1163 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bd9 y4e6a w1164 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">50-80%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bda y4e6a w1165 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">80-90%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdb y4e6a waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">90-100%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bdc y4e6a w16d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">100-200%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb2 y4e6a w11da h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">200-300%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb3 y4e6a w848 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">300-<span class=\"_ _2\"></span>400%</div></td><td class=\"t m1 x627 h77 y4e89 ffb fs1d fc1 sc0 ls0 ws0\">400%<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4e6c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb4 y4e6c w11db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,554<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb5 y4e6c w1068 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">67<span class=\"_ _2\"></span>0,741<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb6 y4e6c w7da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">474,531<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb7 y4e6c w11dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,396,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb8 y4e6c w11dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>960<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb9 y4e6c w11de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238,<span class=\"_ _0\"></span>995<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cba y4e6c w11df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>193,<span class=\"_ _0\"></span>148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbb y4e6c w11e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">814<span class=\"_ _2\"></span>,879<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbc y4e6c w11e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">197<span class=\"_ _5\"></span>,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xebf y4e6c w11e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7e ws7\">399<span class=\"_ _0\"></span>,<span class=\"_ _d\"></span>99<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e6d w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbd y4e6d w11e3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbe y4e6d w11e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.51%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cbf y4e6d w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1bff y4e6d w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.69%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc0 y4e6d w11ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.04%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc1 y4e6d w11e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">2.<span class=\"_ _0\"></span>71%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc2 y4e6d w117d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.50%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc3 y4e6d wcde hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc4 y4e6d w459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.87%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc5 y4e6d w924 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>17%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8a ff2 fs8 fc1 sc0 ls0 ws0\">Residential </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4e6f w1174 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc6 y4e6f w11e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc7 y4e6f wacc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc8 y4e6f w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">715,692<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cc9 y4e6f w11e8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,556,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cca y4e6f w11e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">651,029<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccb y4e6f w704 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">519,<span class=\"_ _d\"></span>179<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccc y4e6f w11ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">440,231<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccd y4e6f w4d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,085<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cce y4e6f w842 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ccf y4e6f w11eb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,26<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e70 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd0 y4e70 w1191 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.82%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd1 y4e70 w484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.<span class=\"_ _0\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd2 y4e70 w11ec hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd3 y4e70 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd4 y4e70 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd5 y4e70 wd46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _d\"></span>19%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd6 y4e70 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.41%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd7 y4e70 w1173 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9.24%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd8 y4e70 w11ed hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.<span class=\"_ _d\"></span>15%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cd9 y4e70 w11ee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.32%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4e71 w117e hfd\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Micro and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cda y4e71 wb0e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,731,<span class=\"_ _0\"></span>756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdb y4e71 w11ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">429<span class=\"_ _0\"></span>,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdc y4e71 w8e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">725,310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdd y4e71 w11f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">933,874<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cde y4e71 w11f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">272,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cdf y4e71 w11f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">328,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce0 y4e71 w54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">835,894<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce1 y4e71 w370 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">90<span class=\"_ _2\"></span>,74<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce2 y4e71 w11f3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">34<span class=\"_ _2\"></span>,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce3 y4e71 wee hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4b08 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c9f y4b08 w1192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>99%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce4 y4b08 w294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.89%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce5 y4b08 wd7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.<span class=\"_ _d\"></span>10%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce6 y4b08 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.27%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce7 y4b08 w1170 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.66%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c6a y4b08 w46e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.65%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce8 y4b08 w87c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>11%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ce9 y4b08 w489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.59%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cea y4b08 w11f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ceb y4b08 w11f5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9.<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cec y4e72 w11f6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>981,305<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ced y4e72 w11f7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,560,864<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cee y4e72 w11f8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">443,343<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cef y4e72 w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">514,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf0 y4e72 w11fa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,<span class=\"_ _d\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf1 y4e72 we6f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _0\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf2 y4e72 w98f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,295<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf3 y4e72 wdd6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf4 y4e72 w6e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf5 y4e72 w11fb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4,02<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e73 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1c36 y4e73 w488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>.56%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf6 y4e73 w11fc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf7 y4e73 w11fd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.07%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf8 y4e73 w1187 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.36%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cf9 y4e73 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.02%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfa y4e73 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.43%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfb y4e73 w11fe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.67%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfc y4e73 w11ff hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11.23%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfd y4e73 w1200 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.60%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cfe y4e73 w547 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3.<span class=\"_ _d\"></span>13%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e74 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cff y4e74 w62b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">165,417<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d00 y4e74 w8ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d01 y4e74 wb81 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>182<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d02 y4e74 w1201 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls84 wsbf\">37<span class=\"_ _d\"></span>,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d03 y4e74 w10b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118,095<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d04 y4e74 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,568<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d05 y4e74 w1202 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>128<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d06 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d07 y4e74 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d08 y4e74 w4d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e75 w116e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">ECL c<span class=\"_ _0\"></span>overage<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1be8 y4e75 w48c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.25%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d09 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0a y4e75 wd0d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.02<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0b y4e75 w1203 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4.83%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0c y4e75 w2aa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.09<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0d y4e75 wada hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>47%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0e y4e75 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">2.48%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d0f y4e75 w2b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d10 y4e75 w2b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">N<span class=\"_ _39\"></span>/A<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d11 y4e75 w1204 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">75.00%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e8b ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers <span class=\"_ _d\"></span><span class=\"ws0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x244 y4aa3 w119d hfa\"><div class=\"t m1 x1c5 h1b y4ad5 ffb fs8 fc1 sc0 ls0 ws0\">at amortised cost,<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls35 ws63\">gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d12 y4aa3 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,454,720<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d13 y4aa3 w11a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,755,485<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d14 y4aa3 w1205 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,363,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d15 y4aa3 w1206 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>438,544<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d16 y4aa3 w1207 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,387<span class=\"_ _d\"></span>,495<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d17 y4aa3 w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,235,<span class=\"_ _2\"></span>489<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d18 y4aa3 w1209 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,602,696<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d19 y4aa3 w120a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">920,346<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1a y4aa3 w120b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">237<span class=\"_ _d\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1b y4aa3 w120c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">513,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td></tr></table><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs6a7\">Carrying amount per class of financial asse<span class=\"_ _0\"></span>ts whose terms have been r<span class=\"_ _0\"></span>enegotiated<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6a8\">During the y<span class=\"_ _0\"></span>ear<span class=\"_ _d\"></span>, the Group modified the con<span class=\"_ _0\"></span>tractual cash flows on c<span class=\"_ _0\"></span>ertain loans and advances to customers. All such loans had </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6a9\">previously<span class=\"_ _0\"></span> been transf<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>o at least Stage 2, with a loss allowance measured at an amoun<span class=\"_ _0\"></span>t equal to lifetime ECLs.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6aa\">The f<span class=\"_ _0\"></span>ollowing table provides in<span class=\"_ _0\"></span>formation on financial asse<span class=\"_ _0\"></span>ts that were modified <span class=\"_ _0\"></span>while they<span class=\"_ _0\"></span> had a loss allowance measured at an </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ab\">amount equal to lif<span class=\"_ _0\"></span>etime ECL:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6ac\">Financial assets modified during 2023:<span class=\"_ _3e0\"> </span></div><div class=\"gs6ad\"><table class=\"s w120d h16b\" id=\"_1f30137d-464d-49ec-a906-d82d349ba94f\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8c ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e8d ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e8d ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e8e ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d1f y4a9c wb35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _2\"></span>10,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d20 y4a9c w7b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls5c ws8d\">599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d21 y4cb6 w120e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,84<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d22 y4cb6 w120f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(131)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d23 y4a9e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ba4 y4a9e wda5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,362)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w1210 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">287<span class=\"_ _5\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe21 y4a9f w95a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(12,<span class=\"_ _0\"></span>791)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d25 y4b3b w4bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,211,181<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d26 y4b3b w1212 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,685)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d27 y4b46 wa29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">839<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d28 y4b46 w99c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d29 y4aa3 w1213 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,212,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2a y4aa3 w1214 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(14,547)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6ae\">Financial assets modified during 2022:<span class=\"_ _3e0\"> </span></div><div class=\"gs6af\"><table class=\"s w8b4 h16b\" id=\"_c0708a43-9de7-4b75-9cd1-01e42b512b37\"><tr><td></td><td class=\"t m1 x12ed h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e8f ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e90 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e90 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e91 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2b y4a9c w1215 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">621,<span class=\"_ _0\"></span>067<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2c y4a9c w1216 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>169<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe8e y4a9d w310 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,863<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcca y4a9d w1217 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,081)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2d y4a9e w1218 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">173,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2e y4a9e w555 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,524)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d2f y4a9f w1219 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">305,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4a9f w226 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(25,835)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d31 y4b3b w121a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>17<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d32 y4b3b w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d33 y4aa3 w121b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>174,038<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d34 y4aa3 w520 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(29<span class=\"_ _0\"></span>,27<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6b0\">Financial assets modified during 2021:<span class=\"_ _3e0\"> </span></div><div class=\"gs6b1\"><table class=\"s w736 h16b\" id=\"_f5a42214-5014-4af7-aca0-5aa91a147e03\"><tr><td></td><td class=\"t m1 x12ed h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Amortised </td><td class=\"t m1 x1d1c h77 y4e92 ffb fs1d fc1 sc0 ls0 ws0\">Net gain/(loss) </td></tr><tr><td></td><td class=\"t m1 x1d1d h77 y4e93 ffb fs1d fc1 sc0 ls0 ws0\">cost bef<span class=\"_ _0\"></span>ore </td><td class=\"t m1 x1d1e h77 y4e93 ffb fs1d fc1 sc0 ls0 wse4\">arising from </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4e94 ffb fs1d fc1 sc0 ls0 ws0\">modification<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d35 y4a9c w121c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _5\"></span>,<span class=\"_ _0\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d36 y4a9c w6af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">388<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d37 y4a9d w121d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132<span class=\"_ _2\"></span>,638<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d38 y4a9d w6e6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">530<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d39 y4a9e w10a7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">243,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3a y4a9e wc82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(4,<span class=\"_ _d\"></span>185)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d24 y4a9f w11f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,896<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3b y4a9f w121e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">(9,<span class=\"_ _39\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>6)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3c y4b3b w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3d y4b3b w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3e y4aa3 w121f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,085,730<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d3f y4aa3 w1220 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(12,713)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6b2\">The gross c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying value of loans that hav<span class=\"_ _0\"></span>e previously<span class=\"_ _0\"></span> been modified (when they<span class=\"_ _0\"></span> were in Stage 2 or<span class=\"_ _0\"></span> 3) which are no<span class=\"_ _0\"></span>w categorised as </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6b3\">Stage 1, with loss allow<span class=\"_ _0\"></span>ance measured at an amount equal to 12 mon<span class=\"_ _0\"></span>ths expected losses, are shown in <span class=\"_ _0\"></span>the table below:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6b4\">Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2023<span class=\"_ _3e0\"> </span></div><div class=\"gs6b5\"><table class=\"s w7f3 h16c\" id=\"_4f1af083-351e-43ce-b8e1-0f6c5f23b93f\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e96 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e96 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d41 y4a9c w1221 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">96,<span class=\"_ _d\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbfa y4a9c w24e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(255)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c3 y4a9d w1222 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">63,<span class=\"_ _d\"></span>193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d42 y4a9d w808 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10d0 y4a9e w1223 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39,<span class=\"_ _d\"></span>912<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d43 y4a9e w1224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls67 ws9b\">(98<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d44 y4a9f w5b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,217<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d45 y4a9f w1225 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(49)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,4<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xede y4b3b w1226 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d46 y4aa3 wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">213,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d47 y4aa3 w1227 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>53<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table></div>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2022<span class=\"_ _3e0\"> </span><table class=\"s w1228 h16d\" id=\"_3d754956-620c-4a9c-9e23-6c6e688e6cfd\"><tr><td></td><td class=\"t m1 x10bf h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e97 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e98 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e98 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d48 y4a9c w1229 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>100<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d49 y4a9c wb23 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(<span class=\"_ _2\"></span>24)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10da y4a9d w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72,919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb24 y4a9d w122a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(10<span class=\"_ _2\"></span>4)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10dc y4a9e w1088 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,<span class=\"_ _d\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4a y4a9e w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(129)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10c7 y4a9f w122b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4b y4a9f w78b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(204)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1942 y4b3b wf56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,<span class=\"_ _2\"></span>426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4c y4b3b w3d3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4d y4aa3 w122c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">143,426<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4e y4aa3 w122d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa2 wsed\">(4<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr></table>Financial assets modified since initial r<span class=\"_ _0\"></span>ecognition, as at 31 December 2021<span class=\"_ _3e0\"> </span><table class=\"s wf43 h16c\" id=\"_a6bbeb42-90e5-4c8f-a4f8-88e16baa94bb\"><tr><td></td><td class=\"t m1 x10bf h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Gross carrying </td><td class=\"t m1 x63b h77 y4e95 ffb fs1d fc1 sc0 ls0 ws0\">Corresponding </td></tr><tr><td></td><td class=\"t m1 x1d40 h77 y4e99 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x4b4 h77 y4e99 ffb fs1d fc1 sc0 ls9d wse8\">ECL<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4a9c w3da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Commercial loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d4f y4a9c w7ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,521<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1169 y4a9c w90c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(121)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9d w452 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential mortgage loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d50 y4a9d w122e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,892<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d51 y4a9d w122f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(231)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w3df hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Micro and SME loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d52 y4a9e w679 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,301<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d53 y4a9e wd2f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">(3<span class=\"_ _2\"></span>47<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w3e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Consumer loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d54 y4a9f w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,063<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d55 y4a9f w3bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(633)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w3e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Gold \u2013 pawn loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf51 y4c96 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w1211 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws48\">Loans to customers<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17b8 y4b3b wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d56 y4b3b w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf wf90 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Finance lease r<span class=\"_ _0\"></span>eceivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf3 y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w641 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d57 y4aa3 wfa4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">161,777<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d58 y4aa3 w10ee hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,332)<span class=\"_ _3e0\"> </span></div></td></tr></table>The geographical c<span class=\"_ _0\"></span>oncentration of<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s assets and liabilities is set out below:<span class=\"_ _3e0\"> </span><table class=\"s w1020 h16e\" id=\"_3933e3c4-9cb3-45b1-8780-fc52d7cff0fa\"><tr><td></td><td></td><td class=\"t m1 x1d59 h77 y4e9a ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d40 h77 y4e9b ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d5a h77 y4e9c ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d5b y4e9d w1230 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5c y4e9d w1231 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x514 y4e9d waf1 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5d y4e9d w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4e9e ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e01 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5e y4e01 w1232 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,523,046<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d5f y4e01 w1233 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">975,099<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d60 y4e01 w1234 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">603,679<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d61 y4e01 w1235 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e9f w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d62 y4e9f w1236 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d63 y4e9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d64 y4e9f w912 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7d6 y4e9f w224 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de8 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d65 y4de8 w1237 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,368,87<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d66 y4de8 w110e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,332,754<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d67 y4de8 w838 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">428,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d68 y4de8 w93b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>129,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d69 y4de9 w1238 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,532,803<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19de y4de9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6a y4de9 w1239 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">699,<span class=\"_ _d\"></span>918<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6b y4de9 w123a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e09 w123b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6c y4e09 w123c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,314<span class=\"_ _2\"></span>,511<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6d y4e09 w50d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">150,0<span class=\"_ _0\"></span>31<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6e y4e09 w123d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">76,<span class=\"_ _0\"></span>057<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8ee y4e09 wc4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,540,599<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x56b y4d84 w123e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,473,<span class=\"_ _0\"></span>132<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d6f y4d84 w123f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _2\"></span>457<span class=\"_ _d\"></span>,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d70 y4d84 w1240 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,826,542<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d71 y4d84 w1241 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,757<span class=\"_ _5\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea0 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4d0b w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d72 y4d0b w1242 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,880,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16f6 y4d0b w1243 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>138,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d73 y4d0b w1ac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,503,<span class=\"_ _0\"></span>714<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d74 y4d0b w1244 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,<span class=\"_ _0\"></span>739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0c w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d75 y4d0c w1245 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,369,365<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d76 y4d0c w1246 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>129<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d77 y4d0c wf63 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">529<span class=\"_ _0\"></span>,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d78 y4d0c w74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de0 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa47 y4de0 w1247 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">273,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d79 y4de0 w1248 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>436<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x811 y4de0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7a y4de0 wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7b y4ac7 w1249 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">128,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xee5 y4ac7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7c y4ac7 w712 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7d y4ac7 w7c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad3 y4aa1 w124b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">396,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x149c y4aa1 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,254<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c4 y4aa1 w124c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7e y4aa1 w22f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">495,681<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1d7f y4aa2 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,048,610<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d80 y4aa2 w124d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,630,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d81 y4aa2 wc9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,058,76<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d82 y4aa2 w124e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,737<span class=\"_ _d\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d83 y4aa3 w119f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,42<span class=\"_ _2\"></span>4,522<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d84 y4aa3 w1250 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(172,467)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d85 y4aa3 w302 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,232,219)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x830 y4aa3 w1f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,019<span class=\"_ _0\"></span>,836<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1251 h16f\" id=\"_42c86c82-2611-4091-a73e-a4721912e6e0\"><tr><td></td><td></td><td class=\"c n x1d86 y4ea1 we48 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1d87 y4ea1 w14b hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x4ea h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td><td></td><td></td><td class=\"t m1 x1d88 h77 y4ea2 ffb fs1d fc1 sc0 ls0 ws0\">CIS and </td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x1d89 h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td><td></td><td></td><td class=\"t m1 x12ed h77 y4ea3 ffb fs1d fc1 sc0 ls0 wse4\">other for<span class=\"_ _0\"></span>eign </td><td></td></tr><tr><td></td><td class=\"c n x1d8a y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8b y4ea4 w1252 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8c y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8d y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8e y4ea4 w1230 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Georgia<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d8f y4ea4 w1253 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">OECD<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d90 y4ea4 waf1 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">countries<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d91 y4ea4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea5 ffb fs8 fc1 sc0 ls84 wsbf\">Assets:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ea6 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d92 y4ea6 wb49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,508,225<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d93 y4ea6 w82d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,453,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d94 y4ea6 w7d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">622,77<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d95 y4ea6 w1254 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d96 y4ea6 w1255 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">836,325<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d97 y4ea6 w80 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">419<span class=\"_ _0\"></span>,324<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d98 y4ea6 w1256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>913<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4ea6 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ea7 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4ea8 w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d99 y4ea8 w1258 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,358,551<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9a y4ea8 w1259 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">54<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>175<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9b y4ea8 w125a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9c y4ea8 w125b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9d y4ea8 w125c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,922,671<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9e y4ea8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d9f y4ea8 w943 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da0 y4ea8 w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ea9 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da1 y4ea9 w125d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,798,<span class=\"_ _d\"></span>172<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da2 y4ea9 w125e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>436,465<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da3 y4ea9 w125f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">115,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da4 y4ea9 w1260 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da5 y4ea9 wf03 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _2\"></span>477<span class=\"_ _5\"></span>,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf20 y4ea9 w1261 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>0,<span class=\"_ _d\"></span>901<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3c y4ea9 w1262 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">147<span class=\"_ _5\"></span>,396<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da6 y4ea9 w34 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eaa ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4eab w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da7 y4eab w1264 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,339<span class=\"_ _0\"></span>,883<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da8 y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1da9 y4eab wb0b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">521,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daa y4eab w37 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dab y4eab w1265 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,524,427<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dac y4eab wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dad y4eab we3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>44<span class=\"_ _2\"></span>,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dae y4eab w1266 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4eac w123b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1daf y4eac w11e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,473,<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db0 y4eac w9ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">120,271<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db1 y4eac w1267 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">78,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db2 y4eac w1268 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,672,594<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db3 y4eac w1269 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">9<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db4 y4eac w1049 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">178,7<span class=\"_ _0\"></span>65<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db5 y4eac w238 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">57<span class=\"_ _5\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db6 y4eac weaa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,213,4<span class=\"_ _2\"></span>87<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1db7 y4ead w126a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,478,534<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db8 y4ead w126b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,06<span class=\"_ _2\"></span>4,755<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1db9 y4ead w126c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,358,611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dba y4ead w6c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901,900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbb y4ead w126d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,738,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbc y4ead w126e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,568,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbd y4ead w126f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>122,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbe y4ead w1270 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _2\"></span>430,07<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eae ffb fs8 fc1 sc0 ls0 ws0\">Liabilities:<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eaf w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dbf y4eaf w1271 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,017<span class=\"_ _5\"></span>,<span class=\"_ _2\"></span>449<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc0 y4eaf w11d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">966,722<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc1 y4eaf w1272 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,277<span class=\"_ _d\"></span>,226<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc2 y4eaf w1273 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,39<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc3 y4eaf w1274 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>180,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc4 y4eaf wabe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">894,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc5 y4eaf w1275 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">1<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc6 y4eaf wb8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4eb0 ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4d0c w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc7 y4d0c w1276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,622,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc8 y4d0c w1277 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _0\"></span>142,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dc9 y4d0c w1278 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">501,<span class=\"_ _0\"></span>783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dca y4d0c w75 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcb y4d0c w23a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,609<span class=\"_ _0\"></span>,565<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcc y4d0c w1279 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,619<span class=\"_ _0\"></span>,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcd y4d0c w127a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">88,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>95<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dce y4d0c w127b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac6 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dcf y4ac6 w127c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">312,053<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd0 y4ac6 w127d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">333,915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd1 y4ac6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd2 y4ac6 w1098 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd3 y4ac6 w127e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">450,<span class=\"_ _d\"></span>155<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd4 y4ac6 w127f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,061,20<span class=\"_ _0\"></span>3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd5 y4ac6 w938 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfb8 y4ac6 w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac7 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd6 y4ac7 w1ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101,402<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd7 y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd8 y4ac7 wce4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dd9 y4ac7 w1280 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dda y4ac7 w1281 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">84,875<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddb y4ac7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddc y4ac7 w1282 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls35 ws63\">2<span class=\"_ _2\"></span>,787<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb41 y4ac7 wc2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">All other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddd y4aa1 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">275,030<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dde y4aa1 w1283 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">81,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ddf y4aa1 w1284 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,667<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de0 y4aa1 we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">364,590<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de1 y4aa1 w1285 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">309<span class=\"_ _0\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de2 y4aa1 w1286 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,29<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de3 y4aa1 w500 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d30 y4aa1 we7f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">374<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>74<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"c n x1de4 y4aa2 w1287 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,328,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de5 y4aa2 w115 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,524,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de6 y4aa2 w1288 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">4,7<span class=\"_ _2\"></span>99,7<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de7 y4aa2 w8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de8 y4aa2 w1289 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,634,<span class=\"_ _2\"></span>47<span class=\"_ _0\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1de9 y4aa2 w128a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,630,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dea y4aa2 wda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,072,<span class=\"_ _0\"></span>123<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1deb y4aa2 w128b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,337<span class=\"_ _d\"></span>,168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w124f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Net balance sheet position<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dec y4aa3 w128c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>149<span class=\"_ _0\"></span>,813<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ded y4aa3 w144 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">540,<span class=\"_ _0\"></span>142<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dee y4aa3 w128d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,4<span class=\"_ _2\"></span>41,<span class=\"_ _0\"></span>133)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1def y4aa3 wb4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,248,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df0 y4aa3 w128e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>104<span class=\"_ _2\"></span>,019<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162c y4aa3 w128f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,061,581)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df1 y4aa3 wab9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(94<span class=\"_ _0\"></span>9,530<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df2 y4aa3 w1290 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,092,<span class=\"_ _0\"></span>908<span class=\"_ _3e0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-794": {
   "value": "Liquidity risk and <span class=\"_ _0\"></span>funding management<span class=\"_ _3e0\"> </span>Liquidity risk is the risk<span class=\"_ _0\"></span> that the Group will be unable <span class=\"_ _0\"></span>to meet its payment obligations when the<span class=\"_ _0\"></span>y f<span class=\"_ _0\"></span>all due under normal and stress circumstanc<span class=\"_ _0\"></span>es. T<span class=\"_ _d\"></span>o limit this risk, management has arranged div<span class=\"_ _0\"></span>ersified funding sourc<span class=\"_ _0\"></span>es in addition to its core deposit base<span class=\"_ _0\"></span>, manages assets with liquidity in mind, and monit<span class=\"_ _0\"></span>ors future c<span class=\"_ _0\"></span>ash flows and liquidity on a r<span class=\"_ _0\"></span>egular basis. This incorpor<span class=\"_ _0\"></span>ates an assessment of expected cash <span class=\"_ _0\"></span>flows and the availability of<span class=\"_ _0\"></span> high-grade collater<span class=\"_ _0\"></span>al which could be used to secure additional <span class=\"_ _0\"></span>funding if requir<span class=\"_ _0\"></span>ed.<span class=\"_ _3e0\"> </span>The Group maint<span class=\"_ _0\"></span>ains a portfolio of highly<span class=\"_ _0\"></span> marketable and diverse asse<span class=\"_ _0\"></span>ts that can be easily liquidated in <span class=\"_ _0\"></span>the event of an un<span class=\"_ _0\"></span>foreseen interruption of c<span class=\"_ _0\"></span>ash flow<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup also has committed lines of cr<span class=\"_ _0\"></span>edit that it can access <span class=\"_ _0\"></span>to meet liquidity needs. In addition, the Gr<span class=\"_ _0\"></span>oup<span class=\"_ _2\"></span> maintains a cash deposit (<span class=\"_ _d\"></span>obligator<span class=\"_ _2\"></span>y reserve<span class=\"_ _0\"></span>) with the NBG<span class=\"_ _0\"></span>, the amount of <span class=\"_ _0\"></span>which depends on the level of customer<span class=\"_ _0\"></span> funds attracted. The liquidity position is assessed and managed b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup primarily on a standalone Bank basis, based on certain liquidity<span class=\"_ _0\"></span> ratios established by<span class=\"_ _0\"></span> the NBG. Banks ar<span class=\"_ _0\"></span>e requir<span class=\"_ _0\"></span>ed to maintain a liquidity c<span class=\"_ _0\"></span>overage r<span class=\"_ _0\"></span>atio, which is defined as the r<span class=\"_ _0\"></span>atio of high-quality liquid assets to net cash out<span class=\"_ _0\"></span>flow over <span class=\"_ _0\"></span>the next 30 days. T<span class=\"_ _0\"></span>he order r<span class=\"_ _0\"></span>equires that, absent a stress-period, the <span class=\"_ _0\"></span>value of the r<span class=\"_ _0\"></span>atio be no lower than 100%. The liquidity<span class=\"_ _0\"></span> coverage r<span class=\"_ _0\"></span>atio as at 31 December 2023 <span class=\"_ _0\"></span>was 125.2% (2022: 132.<span class=\"_ _2\"></span>4%, 2021: 124.0%).<span class=\"_ _3e0\"> </span>The Bank holds a comf<span class=\"_ _0\"></span>ortable buff<span class=\"_ _0\"></span>er on top of Net St<span class=\"_ _0\"></span>able Funding Ratio (NSFR) r<span class=\"_ _0\"></span>equirement of 100%, which c<span class=\"_ _0\"></span>ame into eff<span class=\"_ _0\"></span>ect on 1 September 2019<span class=\"_ _d\"></span>. A solid buff<span class=\"_ _0\"></span>er over NSFR pr<span class=\"_ _0\"></span>ovides stable funding sour<span class=\"_ _0\"></span>ces over<span class=\"_ _0\"></span> a longer time span. This appr<span class=\"_ _0\"></span>oach is designed to ensure that <span class=\"_ _0\"></span>the funding fr<span class=\"_ _0\"></span>amework is sufficien<span class=\"_ _0\"></span>tly fle<span class=\"_ _0\"></span>xible to secure liquidity<span class=\"_ _0\"></span> under a wide range of<span class=\"_ _0\"></span> market conditions. NSFR as at 31 December 2023 <span class=\"_ _0\"></span>was 130.4%, (2022: 131.<span class=\"_ _0\"></span>9%, 2021: 132.5%), all comf<span class=\"_ _0\"></span>ortably above the NBG\u2019<span class=\"_ _d\"></span>s minimum regulatory requir<span class=\"_ _0\"></span>ements.<span class=\"_ _3e0\"> </span>The Group also matches <span class=\"_ _0\"></span>the maturity of financial assets and <span class=\"_ _0\"></span>financial liabilities and regularly monit<span class=\"_ _0\"></span>ors negative gaps compared <span class=\"_ _0\"></span>with the Bank\u2019<span class=\"_ _0\"></span>s standalone total r<span class=\"_ _0\"></span>egulatory capital calculated per NBG r<span class=\"_ _0\"></span>egulation.<span class=\"_ _3e0\"> </span>The table below summarises <span class=\"_ _0\"></span>the maturity profile o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial liabilities based on contr<span class=\"_ _0\"></span>actual undiscounted repayment obligations, expect f<span class=\"_ _0\"></span>or other liabilities, which ar<span class=\"_ _0\"></span>e presented at c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amounts due to the short-t<span class=\"_ _0\"></span>erm nature of these liabilities. Repayments that ar<span class=\"_ _0\"></span>e subject to notice ar<span class=\"_ _0\"></span>e treated as if notic<span class=\"_ _0\"></span>e were t<span class=\"_ _0\"></span>o be given immediately<span class=\"_ _d\"></span>. However<span class=\"_ _d\"></span>, the Group e<span class=\"_ _0\"></span>xpects that many<span class=\"_ _0\"></span> customers will not r<span class=\"_ _0\"></span>equest repayment on <span class=\"_ _0\"></span>the earliest date the Bank could be requir<span class=\"_ _0\"></span>ed to pay<span class=\"_ _d\"></span>, and the table does not r<span class=\"_ _0\"></span>eflect the expected cash <span class=\"_ _0\"></span>flows indicated by<span class=\"_ _0\"></span> the Bank\u2019<span class=\"_ _0\"></span>s deposit reten<span class=\"_ _0\"></span>tion histor<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>. <table class=\"s w1291 h170\" id=\"_848c1b45-9296-42ff-8ed1-f1f942d31787\"><tr><td class=\"t m1 x1c9 h77 y4eb1 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1df3 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb1 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb1 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1df4 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb2 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df6 y4b42 w1293 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,491,287<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df7 y4b42 w1294 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,559<span class=\"_ _0\"></span>,684<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x18e0 y4b42 w1295 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>963,380<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df8 y4b42 wd50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,382<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df9 y4b42 w1296 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,087<span class=\"_ _d\"></span>,733<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfa y4c0f w1297 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,777<span class=\"_ _5\"></span>,202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfb y4c0f w1298 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">569<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfc y4c0f w128 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,773,329<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfd y4c0f w1299 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">836,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dfe y4c0f w289 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,956,465<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1dff y4b44 w129a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e00 y4b44 w129b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _2\"></span>4,7<span class=\"_ _0\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e01 y4b44 w129c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">452,7<span class=\"_ _0\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e02 y4b44 w129d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _0\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4b44 w11f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74<span class=\"_ _0\"></span>1,058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e03 y4b45 w8cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,<span class=\"_ _2\"></span>07<span class=\"_ _39\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e04 y4b45 w884 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,435<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e05 y4b45 w129e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e06 y4b45 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,499<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e07 y4b45 w129f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">163,431<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e08 y4adf we1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e09 y4adf w6d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,032<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0a y4adf w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0b y4adf wbc7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14d8 y4adf w59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0c y4aa3 w123a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,<span class=\"_ _2\"></span>429<span class=\"_ _0\"></span>,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0d y4aa3 w12a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,374,339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0e y4aa3 w12a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,292,2<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e0f y4aa3 w12a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,019<span class=\"_ _0\"></span>,665<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e10 y4aa3 w12a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>115,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td></tr></table><div class=\"gs94\"><table class=\"s w12a5 h171\" id=\"_0f515350-d989-4095-a7e9-a93cd4472119\"><tr><td class=\"t m1 x1c9 h77 y4eb3 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1df3 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 </td><td class=\"t m1 x1bd4 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb3 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb3 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1df4 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb4 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e11 y4b42 w12a6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,278,805<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e12 y4b42 w12a7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,366,525<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e13 y4b42 w61f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>946,856<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e14 y4b42 w12a8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">342<span class=\"_ _2\"></span>,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e15 y4b42 w12a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>934<span class=\"_ _2\"></span>,778<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e16 y4c0f w12aa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,300<span class=\"_ _0\"></span>,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e17 y4c0f w98f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">623,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e18 y4c0f w12ab hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,<span class=\"_ _0\"></span>937<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e19 y4c0f w12ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">654,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1a y4c0f w12ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,888,755<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1b y4b44 w12ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1c y4b44 w7f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">343,014<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1d y4b44 w12af hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">411,265<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x78f y4b44 w12b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>62,<span class=\"_ _0\"></span>122<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1e y4b45 w12b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e1f y4b45 w1038 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,4<span class=\"_ _2\"></span>44<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e20 y4b45 w12b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">77<span class=\"_ _d\"></span>,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcd3 y4b45 w2c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,756<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e21 y4b45 w12b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">123,861<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e22 y4adf wa2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">142<span class=\"_ _2\"></span>,655<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e23 y4adf w96c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,856<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e24 y4adf w66e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,062<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea5 y4adf w12b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">118<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e25 y4adf w8a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e26 y4aa3 w12b5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,737<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>140<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e27 y4aa3 w5ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _d\"></span>,370,451<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e28 y4aa3 w12b6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,747<span class=\"_ _5\"></span>,148<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e29 y4aa3 wda hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,013,468<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2a y4aa3 w12b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,868,207<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs6d6\"><table class=\"s w12b8 h170\" id=\"_3be8d651-daa7-4192-8cde-b4cdf4c60a10\"><tr><td class=\"t m1 x1c9 h77 y4eb5 ffb fs1d fc1 sc0 ls0 ws0\">Financial liabilities </td><td class=\"t m1 x1e2b h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">Less than <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x517 h77 y4eb5 ffb fs1d fc1 sc0 ls0 wse4\">1 to 5<span class=\"ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb5 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td class=\"t m1 x1c9 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">As at 31 December 2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e2c h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x517 h77 y4eb6 ffb fs1d fc1 sc0 ls0 ws0\">years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4de1 w1292 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4de1 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b42 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df6 y4b42 w12b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,301,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2d y4b42 w12ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,317<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>413<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2e y4b42 w12bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,657<span class=\"_ _d\"></span>,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e2f y4b42 w12bc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">352,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e30 y4b42 webe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,629<span class=\"_ _0\"></span>,310<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b43 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e31 y4b43 w12bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,815,<span class=\"_ _d\"></span>989<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e32 y4b43 wc6c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">628,686<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e33 y4b43 w660 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,870<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>941<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e34 y4b43 w61b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">610,949<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e35 y4b43 w12be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,926,565<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e36 y4b44 wce9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e37 y4b44 w10ac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310,7<span class=\"_ _0\"></span>07<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e38 y4b44 w12bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,432,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4b44 w12c0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,780<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>64<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3a y4b45 w4ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>145<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3b y4b45 w35c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7f6 y4b45 w12c1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">66,<span class=\"_ _d\"></span>981<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3c y4b45 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3d y4b45 w666 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">100,84<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8b5 y4b46 w12c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">177<span class=\"_ _d\"></span>,528<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3e y4b46 w12c3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,788<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e3f y4b46 w87c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e40 y4b46 wf3d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e41 y4b46 w12c4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal undiscounted financial liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e42 y4aa3 w12c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,338,873<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e43 y4aa3 w12c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">8,277<span class=\"_ _d\"></span>,323<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e44 y4aa3 w2f0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,029<span class=\"_ _0\"></span>,556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e45 y4aa3 w52a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">974,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e46 y4aa3 wb68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">21,620,535<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d7\">The table below sho<span class=\"_ _0\"></span>ws the contractual e<span class=\"_ _0\"></span>xpir<span class=\"_ _2\"></span>y b<span class=\"_ _0\"></span>y maturity o<span class=\"_ _0\"></span>f the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s financial commitments and contingencie<span class=\"_ _0\"></span>s.<span class=\"_ _3e0\"> </span></div><div class=\"gs6d8\"><table class=\"s wd7a h10c\" id=\"_0e2da7af-3d8a-41e4-9fc5-41fda4d8f810\"><tr><td></td><td class=\"t m1 x1df3 h77 y4eb7 ffb fs1d fc1 sc0 ls0 wse4\">Less than 3 <span class=\"ws0\"> </span></td><td class=\"t m1 x1bd4 h77 y4eb7 ffb fs1d fc1 sc0 ls0 wse4\">3 to 12<span class=\"ws0\"> </span></td><td class=\"t m1 x4e7 h77 y4eb7 ffb fs1d fc1 sc0 lsb1 wsfe\">1 to<span class=\"ls0 ws0\"> </span></td><td class=\"t m1 x48f h77 y4eb7 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x1df4 h77 y4eb8 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2f3 h77 y4eb8 ffb fs1d fc1 sc0 ls0 ws0\">months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x513 h77 y4eb8 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x5db y4bf6 w1292 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1df5 y4bf6 w177 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e47 y4bef w12c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,349<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>928<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e48 y4bef we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">636,409<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e49 y4bef w12c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,009<span class=\"_ _0\"></span>,256<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdf0 y4bef w311 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4a y4bef w12c9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,023,<span class=\"_ _d\"></span>153<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4b y4ac9 w12ca hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,280,<span class=\"_ _0\"></span>906<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4c y4ac9 w125f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">625,011<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4d y4ac9 w12cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">778,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4e y4ac9 w46d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,294<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e4f y4ac9 w12cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa4 ws1d\">2,71<span class=\"_ _0\"></span>4,486<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w38b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December 2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e50 y4aa3 w12cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>010,650<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e51 y4aa3 w20d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">663,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1818 y4aa3 w357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">885,895<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1006 y4aa3 w63e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,54<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e52 y4aa3 w12ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,577<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>956<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6d9\">The Group e<span class=\"_ _0\"></span>xpects that not all guarantees or<span class=\"_ _0\"></span> commitments will be dr<span class=\"_ _0\"></span>awn before e<span class=\"_ _0\"></span>xpiry of the commitmen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6da\">The maturity analysis does not r<span class=\"_ _0\"></span>eflect the historical stability<span class=\"_ _0\"></span> of current acc<span class=\"_ _0\"></span>ounts. Their liquidation has hist<span class=\"_ _0\"></span>orically tak<span class=\"_ _0\"></span>en place over a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6db\">longer period than indicated in <span class=\"_ _0\"></span>the tables above. <span class=\"_ _0\"></span>These balances are included in amoun<span class=\"_ _0\"></span>ts due in less than three mon<span class=\"_ _0\"></span>ths in the tables </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6dc\">above. P<span class=\"_ _0\"></span>erpetual Tier 1 c<span class=\"_ _0\"></span>apital notes are pr<span class=\"_ _0\"></span>esented in \u2018Over 5 <span class=\"_ _0\"></span>years\u2019 cat<span class=\"_ _0\"></span>egor<span class=\"_ _2\"></span>y given the <span class=\"_ _0\"></span>fact that management does not c<span class=\"_ _0\"></span>onsider </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs6dd\">them to be repaid earlier than that.<span class=\"_ _3e0\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-795": {
   "value": "<div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs6df\">Marke<span class=\"_ _0\"></span>t risk<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e0\">Market risk is <span class=\"_ _0\"></span>the risk that the f<span class=\"_ _0\"></span>air value or<span class=\"_ _0\"></span> future cash <span class=\"_ _0\"></span>flows of financial instruments <span class=\"_ _0\"></span>will fluctuate due to changes in market </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e1\">variables such as inter<span class=\"_ _0\"></span>est rates, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchanges, and equity prices. <span class=\"_ _0\"></span>The Group classifies e<span class=\"_ _0\"></span>xposures to mark<span class=\"_ _0\"></span>et risk into either </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e2\">trading or non-<span class=\"_ _0\"></span>trading portfolios. <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>rading and non-tr<span class=\"_ _0\"></span>ading positions are managed and monitored using sensitivity<span class=\"_ _0\"></span> analysis. </div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs6e3\">Inter<span class=\"_ _0\"></span>est rate risk<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e4\">Interes<span class=\"_ _0\"></span>t rate risk arises f<span class=\"_ _0\"></span>rom the possibility <span class=\"_ _0\"></span>that changes in interest r<span class=\"_ _0\"></span>ates will aff<span class=\"_ _0\"></span>ect future cash <span class=\"_ _0\"></span>flows or the f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> financial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e5\">instruments. <span class=\"_ _0\"></span>The following <span class=\"_ _0\"></span>table demonstrates the sensitivity<span class=\"_ _0\"></span> to a reasonably<span class=\"_ _0\"></span> possible change in interest r<span class=\"_ _0\"></span>ates, with all other </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e6\">variables held constant, on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s consolidated income statement. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e7\">The sensitivity of <span class=\"_ _0\"></span>the consolidated income statement is the e<span class=\"_ _0\"></span>ffect of <span class=\"_ _0\"></span>the assumed changes in interest r<span class=\"_ _0\"></span>ates on the net inter<span class=\"_ _0\"></span>est </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e8\">income f<span class=\"_ _0\"></span>or the y<span class=\"_ _0\"></span>ear<span class=\"_ _d\"></span>, based on the floating rate non-<span class=\"_ _0\"></span>trading financial assets and financial liabilities held at 31 Dec<span class=\"_ _0\"></span>ember 2023. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6e9\">Changes in basis points are c<span class=\"_ _0\"></span>alculated as standard deviations of<span class=\"_ _0\"></span> daily changes in floating r<span class=\"_ _0\"></span>ates over the last mon<span class=\"_ _0\"></span>th multiplied by </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ea\">respective floating r<span class=\"_ _0\"></span>ates. During the <span class=\"_ _0\"></span>years ended 31 December 2023, 2022 and 20<span class=\"_ _0\"></span>21, sensitivity analysis did not re<span class=\"_ _0\"></span>veal any<span class=\"_ _0\"></span> significant </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6eb\">potential ef<span class=\"_ _0\"></span>fect on the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s equity<span class=\"_ _d\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6ec\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs6ed\"><table class=\"s w12cf h172\" id=\"_e03c4832-e63e-4adc-97db-11b813b0c709\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4eb9 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4eba ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ebb ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4ebc ffb fs1d fc1 sc0 ls0 ws0\">Increase </td><td class=\"t m1 x16c9 h77 y4ebc ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est  </td><td class=\"t m1 x63b h77 y4ebd ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ebe ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ebe ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ebf ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4ec0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ec0 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4ec1 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e57 y4bef wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e58 y4bef w10b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,541<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e59 y4bef wbaa hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,289<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5a y4ac9 w31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5b y4ac9 w12d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">707<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5c y4ac9 w6ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5e y4aa3 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">813<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1152 y4aa3 wa4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">101<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6ee\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs6ef\"><table class=\"s w120d h172\" id=\"_6d1c1c7f-ab44-4344-ba6b-80370ef0e1a8\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ec2 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ec3 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ec4 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4ec5 ffb fs1d fc1 sc0 ls0 ws0\">Decrease  </td><td class=\"t m1 x16c9 h77 y4ec5 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ec6 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ec8 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4ec9 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ec9 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4eca ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e57 y4bef wa4e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4bef w877 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,54<span class=\"_ _0\"></span>1)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5f y4bef w566 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,289)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5a y4ac9 w31 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e60 y4ac9 w12d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(70<span class=\"_ _0\"></span>7)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11a0 y4ac9 w726 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e61 y4aa3 w12d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(813)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e62 y4aa3 w12d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(101)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs94\"><table class=\"s w12cf h173\" id=\"_a5ab4922-367e-40bf-9f8a-0a02798a3452\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ecb ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ecc ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ecd ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4ece ffb fs1d fc1 sc0 ls0 ws0\">Increase  </td><td class=\"t m1 x16c9 h77 y4ece ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ecf ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ec7 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ed0 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td class=\"t m1 x1c9 h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">Currency<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ed1 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4ed2 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e63 y4bef w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e64 y4bef w12d6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,432<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e65 y4bef we53 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,348<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e66 y4ac9 wf5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e67 y4ac9 wd2d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,732<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e68 y4ac9 w12d7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e58 y4aa3 w12d8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e69 y4aa3 w4ae hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,022<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6f1\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs6f2\"><table class=\"s w12d9 h172\" id=\"_17a514c0-faf2-4e74-9f2b-55cdf41ada3c\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ed3 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ed4 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ed5 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x51b h77 y4ed6 ffb fs1d fc1 sc0 ls0 ws0\">Decrease in </td><td class=\"t m1 x16c9 h77 y4ed6 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ed7 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e6a h77 y4ed8 ffb fs1d fc1 sc0 ls0 ws0\">basis points </td><td class=\"t m1 x1e55 h77 y4ed8 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ed9 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x48e h77 y4eda ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4eda ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4edb ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bf1 w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e63 y4bf1 w4d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6b y4bf1 wda5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,432)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6c y4bf1 w5c2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,348)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e66 y4ac9 wf5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8fb y4ac9 w105 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,732)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6d y4ac9 w12da hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(107)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e5d y4aa3 w43 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1614 y4aa3 w116 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,624)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e6e y4aa3 wc22 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,<span class=\"_ _0\"></span>022)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6f3\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs6f4\"><table class=\"s w12cf h174\" id=\"_b39908b2-555c-4364-ab0c-79e58d3ca82a\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4edc ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4edd ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ede ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x50d h77 y4edf ffb fs1d fc1 sc0 ls0 ws0\">Increase </td><td class=\"t m1 x16c9 h77 y4edf ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ee0 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4ee1 ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4ee1 ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4ee2 ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x1e6f h77 y4ee3 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4ee3 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4ee4 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bf1 w12d0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e70 y4bf1 w717 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e71 y4bf1 w7f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e72 y4bf1 w10b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,516<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e73 y4ac9 w12db hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb45 y4ac9 w7ce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf12 y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa3 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e74 y4aa3 w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">355<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26b y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs6f5\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs6f6\"><table class=\"s w12dc h172\" id=\"_efbe2cfe-624a-48e0-a71f-5b066b495c32\"><tr><td></td><td></td><td></td><td class=\"t m1 x615 h77 y4ee5 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity </td></tr><tr><td></td><td></td><td class=\"t m1 x4e0 h77 y4ee6 ffb fs1d fc1 sc0 ls0 ws0\">Sensitivity  </td><td class=\"t m1 x1e53 h77 y4ee7 ffb fs1d fc1 sc0 ls0 ws0\">of other </td></tr><tr><td></td><td class=\"t m1 x616 h77 y4ee8 ffb fs1d fc1 sc0 ls0 ws0\">Decrease  </td><td class=\"t m1 x16c9 h77 y4ee8 ffb fs1d fc1 sc0 ls0 ws0\">of net inter<span class=\"_ _0\"></span>est </td><td class=\"t m1 x63b h77 y4ee9 ffb fs1d fc1 sc0 ls0 ws0\">comprehensiv<span class=\"_ _0\"></span>e </td></tr><tr><td></td><td class=\"t m1 x1e54 h77 y4eea ffb fs1d fc1 sc0 ls0 ws0\">in basis points </td><td class=\"t m1 x1e55 h77 y4eea ffb fs1d fc1 sc0 ls0 ws0\">income </td><td class=\"t m1 x1e56 h77 y4eeb ffb fs1d fc1 sc0 ls0 ws0\">income </td></tr><tr><td></td><td class=\"t m1 x1e6f h77 y4eec ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48f h77 y4eec ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4eed ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w12d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">GEL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e70 y4bef w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e75 y4bef w12dd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,733<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e76 y4bef w46d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(5,516)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e73 y4bf8 w12db hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e77 y4bf8 wa10 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(238)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x90a y4bf8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1704 y4aa3 w27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e78 y4aa3 w721 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(355)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x15c2 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs6f7\">Currency<span class=\"_ _0\"></span> risk<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6f8\">Currency<span class=\"_ _0\"></span> risk is the risk that the <span class=\"_ _0\"></span>value of a financial instrument <span class=\"_ _0\"></span>will fluctuate due to changes in f<span class=\"_ _0\"></span>oreign ex<span class=\"_ _0\"></span>change rates. <span class=\"_ _0\"></span>The </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6f9\">Management Board has se<span class=\"_ _0\"></span>t limits on positions by curr<span class=\"_ _0\"></span>ency based on the NBG r<span class=\"_ _0\"></span>egulations. Positions are monit<span class=\"_ _0\"></span>ored daily<span class=\"_ _d\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6fa\">The tables below indic<span class=\"_ _0\"></span>ate the currencies t<span class=\"_ _0\"></span>o which the Group had significan<span class=\"_ _0\"></span>t exposure at 31 December<span class=\"_ _0\"></span> 2023 on its monetary assets </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6fb\">and liabilities. The analysis c<span class=\"_ _0\"></span>alculates the eff<span class=\"_ _0\"></span>ect of a reasonably<span class=\"_ _0\"></span> possible movement of <span class=\"_ _0\"></span>the currency r<span class=\"_ _0\"></span>ate against the Georgian Lari, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6fc\">with all other v<span class=\"_ _0\"></span>ariables held constant on the income statemen<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span>. The r<span class=\"_ _0\"></span>easonably possible movemen<span class=\"_ _0\"></span>t of the currency<span class=\"_ _0\"></span> rate against </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6fd\">the Georgian Lari is calculated as a s<span class=\"_ _0\"></span>tandard deviation of daily<span class=\"_ _0\"></span> changes in ex<span class=\"_ _0\"></span>change rates over<span class=\"_ _0\"></span> the 12 months. A negativ<span class=\"_ _0\"></span>e amount </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6fe\">in the table r<span class=\"_ _0\"></span>eflects a potential net reduction in income st<span class=\"_ _0\"></span>atement or equity<span class=\"_ _d\"></span>, while a positive amount reflects a net pot<span class=\"_ _0\"></span>ential </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs6ff\">increase. During <span class=\"_ _0\"></span>the years ended 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, sensitivity analysis did not r<span class=\"_ _0\"></span>eveal any<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs700\">significant potential e<span class=\"_ _0\"></span>ffect on the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s equity<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs701\">Currency<span class=\"_ _3e0\"> </span></div><div class=\"gs702\"><table class=\"s we69 h175\" id=\"_e81266c8-f1e6-4e6b-b5ca-6189834c90df\"><tr><td></td><td></td><td class=\"c n x1e79 y4eee w3f0 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4eee w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4eee w25 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td class=\"t m1 x1e7c h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td><td class=\"t m1 x6ce h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td><td class=\"t m1 x1642 h77 y4eef ffb fs1d fc1 sc0 ls0 ws0\">Change in </td><td></td></tr><tr><td></td><td class=\"t m1 x1e7d h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x2fe h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td><td class=\"t m1 x1e7e h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x1e7f h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td><td class=\"t m1 x654 h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">currency </td><td class=\"t m1 x1e80 h77 y4ef0 ffb fs1d fc1 sc0 ls0 ws0\">Effect on pr<span class=\"_ _0\"></span>ofit </td></tr><tr><td></td><td class=\"t m1 x1e81 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e82 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x516 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e83 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e84 h77 y4ef1 ffb fs1d fc1 sc0 ls0 ws0\">rate in %<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1bd6 h77 y4ef1 ffb fs1d fc1 sc0 ls0 wse4\">befor<span class=\"_ _0\"></span>e tax<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4ac9 w12d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">EUR<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e85 y4ac9 w12de hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.8%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e86 y4ac9 w414 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(323)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e87 y4ac9 w44e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e88 y4ac9 w52c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e89 y4ac9 wd8f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8.6%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8a y4ac9 w42f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">209<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w3b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">US$<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8b y4aa3 w12df hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">4<span class=\"_ _39\"></span>.9<span class=\"_ _2\"></span>%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8c y4aa3 w12e0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14<span class=\"_ _2\"></span>,415<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8d y4aa3 w102d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10.<span class=\"_ _d\"></span>9%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8e y4aa3 w12e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e8f y4aa3 w12e2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6.4%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e90 y4aa3 w713 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,027<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h10 ffb fsb fc6 sc0 ls0 ws0 gs703\">Prepayment risk<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs704\">Prepayment risk<span class=\"_ _0\"></span> is the risk that the Gr<span class=\"_ _0\"></span>oup will incur a financial loss because its customer<span class=\"_ _0\"></span>s and counterparties repay<span class=\"_ _0\"></span> or request </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs705\">repayment earlier<span class=\"_ _0\"></span> than expected, such as fix<span class=\"_ _0\"></span>ed rate mortgages when inter<span class=\"_ _0\"></span>est rates f<span class=\"_ _0\"></span>all, or other cr<span class=\"_ _0\"></span>edit facilities, <span class=\"_ _0\"></span>for similar<span class=\"_ _0\"></span> reasons.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs706\">The Group calculat<span class=\"_ _0\"></span>es the eff<span class=\"_ _0\"></span>ect of early r<span class=\"_ _0\"></span>epayments by c<span class=\"_ _0\"></span>alculating the weighted aver<span class=\"_ _0\"></span>age rates of early<span class=\"_ _0\"></span> repayments acr<span class=\"_ _0\"></span>oss each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs707\">loan product individually<span class=\"_ _d\"></span>, applying these historical r<span class=\"_ _0\"></span>ates to the outstanding carrying amount of r<span class=\"_ _0\"></span>espective products as at the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs708\">reporting date and multiplying by<span class=\"_ _0\"></span> the weigh<span class=\"_ _0\"></span>ted average ef<span class=\"_ _0\"></span>fective annual inter<span class=\"_ _0\"></span>est rates f<span class=\"_ _0\"></span>or each product. The model does not mak<span class=\"_ _0\"></span>e a </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs709\">distinction between diff<span class=\"_ _0\"></span>erent r<span class=\"_ _0\"></span>easons for r<span class=\"_ _0\"></span>epayment (<span class=\"_ _0\"></span>e.g. r<span class=\"_ _0\"></span>elocation, refinancing or r<span class=\"_ _0\"></span>enegotiation) and tak<span class=\"_ _0\"></span>es into account the ef<span class=\"_ _0\"></span>fect </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs70a\">of any<span class=\"_ _0\"></span> prepayment penalties on <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s income.<span class=\"_ _3e0\"> </span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs70c\">The estimated eff<span class=\"_ _0\"></span>ect of prepayment risk<span class=\"_ _0\"></span> on net interest income o<span class=\"_ _0\"></span>f the Group f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>years ended 31 December 2023, 31 Dec<span class=\"_ _0\"></span>ember </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs70d\">2022 and 31 December 2021, is as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs403\"><table class=\"s w12e3 h10b\" id=\"_201e2c69-790b-4a13-95e1-02f9501f0059\"><tr><td></td><td class=\"t m1 x1e91 h77 y4ef2 ffb fs1d fc1 sc0 ls0 ws0\">Effect on net </td></tr><tr><td></td><td class=\"t m1 x1e80 h77 y4ef3 ffb fs1d fc1 sc0 ls0 ws0\">interest inc<span class=\"_ _0\"></span>ome<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4bef w91a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e92 y4bef w12e4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(71,<span class=\"_ _0\"></span>177)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bf8 w12e5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb1f y4bf8 wd6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(51,899)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w12e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2021<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1214 y4aa3 w12e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(52,552)<span class=\"_ _3e0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-748": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 wsf0 gs70f\">31.  Fair value measur<span class=\"_ _0\"></span>ements<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws49 gs710\">Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs711\">For <span class=\"_ _0\"></span>the purpose of fair<span class=\"_ _0\"></span> value disclosures, <span class=\"_ _0\"></span>the Group has determined classes of asse<span class=\"_ _0\"></span>ts and liabilities on the basis of the natur<span class=\"_ _0\"></span>e, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs712\">characteristics and risks of <span class=\"_ _0\"></span>the asset or liability<span class=\"_ _d\"></span>. The f<span class=\"_ _0\"></span>ollowing tables show analysis of<span class=\"_ _0\"></span> assets and liabilities measured at f<span class=\"_ _0\"></span>air value or </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs713\">for<span class=\"_ _0\"></span> which fair<span class=\"_ _0\"></span> values are disclosed b<span class=\"_ _0\"></span>y level o<span class=\"_ _0\"></span>f the f<span class=\"_ _0\"></span>air value hierar<span class=\"_ _0\"></span>chy:<span class=\"_ _3e0\"> </span></div><div class=\"gs714\"><table class=\"s w10a1 h176\" id=\"_837b8fb1-81f4-4eff-9419-e6748d91cd74\"><tr><td></td><td class=\"c n x1ca y4ef4 w12e8 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1e93 y4ef4 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4ef4 w9ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e95 y4ef4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef5 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e96 y4ef6 w4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4ef6 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e31 w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e97 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e98 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e99 y4e31 wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9a y4e31 w92c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e32 w12ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9b y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9c y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9d y4e32 w12eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9e y4e32 wc66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ef7 w12ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9f y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea0 y4ef7 wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea1 y4ef7 w12ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea2 y4e35 w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea3 y4e35 w12ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,42<span class=\"_ _2\"></span>4,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea4 y4e35 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea5 y4e35 w12ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439<span class=\"_ _0\"></span>,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea7 y4ef8 w12f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea8 y4ef8 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef9 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea9 y4e37 w28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaa y4e37 w1235 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eac y4e38 w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ead y4e38 w12f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eae y4efa w12f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,781<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaf y4efa w12f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb1 y4e3a w12f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb2 y4e3a w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,4<span class=\"_ _0\"></span>76,<span class=\"_ _0\"></span>015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efb ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb3 y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efc ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb4 y4bee w12fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,469,6<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb5 y4bee w12fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb6 y4bee w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb8 y4bef w12fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,735,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb9 y4bef w12fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,416,<span class=\"_ _0\"></span>771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eba y4bef w12fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebc y4ac9 w63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebd y4ac9 w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebe y4ac9 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4aa3 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec0 y4aa3 w12ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec1 y4aa3 w1300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs715\"><table class=\"s w1301 h177\" id=\"_d4c815ad-fc59-439f-a327-eb66e793ab75\"><tr><td></td><td class=\"c n x1ca y4efd w1302 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1ec2 y4efd w1303 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec3 y4efd wb18 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec4 y4efd w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efe ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eff w12e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec5 y4eff w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec6 y4eff w1304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f00 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec9 y4ef6 w1305 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eca y4ef6 w1306 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f01 ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecb y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecc y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f02 ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecd y4e32 we0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ece y4e32 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef7 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4ef7 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed0 y4ef7 w1307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,360<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed1 y4ef7 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed2 y4ef7 w1308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w12f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed3 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed4 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w1309 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed5 y4ef8 w10dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed6 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed7 y4ef8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f03 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed8 y4e37 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4e37 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eda y4e38 w2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edb y4e38 w125b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edc y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edd y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ede y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edf y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f04 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee0 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee1 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f05 ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee2 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee3 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee4 y4bef w130d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,033,727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee5 y4bef w1117 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee6 y4bef w130e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee7 y4ac9 w991 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee8 y4ac9 w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee9 y4ac9 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eea y4aa3 w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eeb y4aa3 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eec y4aa3 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td></tr></table></div><table class=\"s w130f h178\" id=\"_9d12edc2-5e2c-4ec2-94c7-4322c3f9f0d6\"><tr><td></td><td class=\"c n x1ca y4f06 w1310 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _1e2\"> </span><span class=\"ls9e wse9\">Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1eed y4f06 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4f06 w1311 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eee y4f06 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f07 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eef y4ef6 w1312 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef0 y4ef6 w50 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f08 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef1 y4f09 w1313 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef2 y4f09 w1314 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0a ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef3 y4e32 w1315 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef4 y4e32 w2d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0b ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef5 y4ef7 w967 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef6 y4ef7 w1316 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4e35 w71d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef7 y4e35 w1317 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4e35 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4e35 w1318 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef8 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef9 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f0c w1309 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efa y4f0c w1319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efb y4f0c w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0d ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e38 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efc y4e38 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4e38 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efd y4efa w131b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efe y4efa w131c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eff y4e3a w131d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>787<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f00 y4e3a w131e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0e ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f02 y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0f ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f03 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f04 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f05 y4bef w1320 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,635,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f06 y4bef w204 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">683,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f07 y4bef w76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f08 y4ac9 w1321 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f09 y4ac9 w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0a y4ac9 w1322 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x268 y4aa3 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0b y4aa3 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0c y4aa3 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0d y4aa3 w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td></tr></table>The f<span class=\"_ _0\"></span>ollowing is a description of the determination of<span class=\"_ _0\"></span> fair <span class=\"_ _0\"></span>value for<span class=\"_ _0\"></span> financial instruments which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair <span class=\"_ _0\"></span>value using valuation techniques. <span class=\"_ _0\"></span>These incorporate <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s estimate of assumptions that a mark<span class=\"_ _0\"></span>et participant would make <span class=\"_ _0\"></span>when valuing the instruments.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Derivative financial instrumen<span class=\"_ _0\"></span>ts valued using a valuation t<span class=\"_ _0\"></span>echnique with market observable inputs are mainly<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate swaps, currency<span class=\"_ _0\"></span> swaps, forwar<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span>eign exchange c<span class=\"_ _0\"></span>ontracts and option contr<span class=\"_ _0\"></span>acts. The most f<span class=\"_ _0\"></span>requently<span class=\"_ _0\"></span> applied valuation techniques include f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward pricing and swap models, using pr<span class=\"_ _0\"></span>esent value calculations, as <span class=\"_ _0\"></span>well as standard option pricing models. <span class=\"_ _0\"></span>The models incorporate <span class=\"_ _0\"></span>various inputs including the credit quality<span class=\"_ _0\"></span> of counterparties, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchange spot and f<span class=\"_ _0\"></span>orward rates, inter<span class=\"_ _0\"></span>est rate curves and implied volatilities.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and inve<span class=\"_ _0\"></span>stment securities<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and a certain part of investment securities ar<span class=\"_ _0\"></span>e quoted equity and debt securities. In<span class=\"_ _0\"></span>vestment securities valued using a valuation technique or<span class=\"_ _0\"></span> pricing models consist of unquoted equity<span class=\"_ _0\"></span> and debt securities. These securities ar<span class=\"_ _0\"></span>e valued using models which sometimes only inc<span class=\"_ _0\"></span>orporate data observable in the mark<span class=\"_ _0\"></span>et and at other times use both observable and non-observable data. The non-observable inputs to the models include assumptions r<span class=\"_ _0\"></span>egarding the f<span class=\"_ _0\"></span>uture financial performanc<span class=\"_ _0\"></span>e of the investee<span class=\"_ _0\"></span>, its risk profile, and economic assumptions r<span class=\"_ _0\"></span>egarding the industry and geogr<span class=\"_ _0\"></span>aphical jurisdiction in which the investee oper<span class=\"_ _0\"></span>ates.<span class=\"_ _3e0\"> </span>Assets and liabilities not measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value but for<span class=\"_ _0\"></span> which fair <span class=\"_ _0\"></span>value is disclosed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values in the lev<span class=\"_ _0\"></span>el 2 and level 3 of the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y are es<span class=\"_ _0\"></span>timated using the discounted cash flo<span class=\"_ _0\"></span>ws valuation technique. Current in<span class=\"_ _0\"></span>terest rat<span class=\"_ _0\"></span>es for ne<span class=\"_ _0\"></span>w instruments with similar cr<span class=\"_ _0\"></span>edit risk, currency and r<span class=\"_ _0\"></span>emaining maturity is used as discount r<span class=\"_ _0\"></span>ate in the valuation model.<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>Mov<span class=\"_ _0\"></span>ements in Level 3 financial instrumen<span class=\"_ _0\"></span>ts measured at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show a r<span class=\"_ _0\"></span>econciliation of the opening and closing amounts of<span class=\"_ _0\"></span> Level 3 financial assets which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ gs7d\"> </span>value:<span class=\"_ _3e0\"> </span><table class=\"s w1323 h179\" id=\"_c4f1c9db-4ff4-417f-91ec-eac430ee8d96\"><tr><td></td><td class=\"t m1 x1f0e h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f0f h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x2fe h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x2f9 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1285 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f10 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1f11 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m1 x1f12 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f13 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4f11 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f14 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1642 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f12 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f15 y4aa3 w1325 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f16 y4aa3 w4bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f17 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f18 y4aa3 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4aa3 wbce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f19 y4aa3 w1326 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,9<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f1a y4aa3 w1327 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ements in Level 3 non-financial assets measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value<span class=\"_ _3e0\"> </span>All investment pr<span class=\"_ _0\"></span>operties are Level 3. R<span class=\"_ _0\"></span>econciliations of their opening and closing amoun<span class=\"_ _0\"></span>ts are pro<span class=\"_ _0\"></span>vided in Note 15.<span class=\"_ _3e0\"> </span>Impact on fair <span class=\"_ _0\"></span>value of Lev<span class=\"_ _0\"></span>el 3 financial instruments measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of changes to k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table shows the impact on the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f Level 3 instruments of<span class=\"_ _0\"></span> using reasonably possible alternativ<span class=\"_ _0\"></span>e assumptions:<span class=\"_ _3e0\"> </span><table class=\"s w1328 h17a\" id=\"_c91f285a-9087-4732-ae02-37200c38af23\"><tr><td></td><td class=\"c n x1e79 y4f13 w3f0 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4f13 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4f13 w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f1b h77 y4f14 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1643 h77 y4f15 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1f1c h77 y4f16 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td></tr><tr><td></td><td></td><td class=\"t m1 x1f1d h77 y4f17 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x1f1e h77 y4f18 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x4e1 h77 y4f19 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td></tr><tr><td></td><td></td><td class=\"t m1 x878 h77 y4f1a ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x50d h77 y4f1b ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x1f1f h77 y4f1c ffb fs1d fc1 sc0 ls0 ws0\">possible </td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f1d ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1d h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1e7e h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1e h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1f20 h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x4e1 h77 y4f20 ffb fs1d fc1 sc0 ls0 ws0\">alternative </td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4f21 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f21 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f22 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48b h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1d40 h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4f24 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f25 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f23 y4aa3 w1329 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f24 y4aa3 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 1120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f25 y4aa3 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f26 y4aa3 w132a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f27 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f28 y4aa3 w132b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 549<span class=\"_ _3e0\"> </span></div></td></tr></table>In order <span class=\"_ _0\"></span>to determine reasonably<span class=\"_ _0\"></span> possible alternative assumptions, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s adjusted key<span class=\"_ _0\"></span> unobservable model inputs are as<span class=\"_ gs7d\"> </span>follows:<span class=\"_ _3e0\"> </span>For equities, <span class=\"_ _0\"></span>the Group adjusted the price-o<span class=\"_ _0\"></span>ver-book-<span class=\"_ _0\"></span>value multiple by<span class=\"_ _0\"></span> increasing and decreasing <span class=\"_ _0\"></span>the ratio by<span class=\"_ _0\"></span> 10%, which is considered b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to be within a r<span class=\"_ _0\"></span>ange of reasonably<span class=\"_ _0\"></span> possible alternatives based on the price-ov<span class=\"_ _0\"></span>er-book-<span class=\"_ _0\"></span>value multiples used across peers <span class=\"_ _0\"></span>within the same geographic ar<span class=\"_ _0\"></span>ea of the same industry<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Description of signific<span class=\"_ _0\"></span>ant unobservable inputs to valuations of<span class=\"_ _0\"></span> non-financial assets<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show descriptions of<span class=\"_ _0\"></span> significant unobservable inputs to Level 3 <span class=\"_ _0\"></span>valuations of investment pr<span class=\"_ _0\"></span>operties:<span class=\"_ _3e0\"> </span><table class=\"s w132c h17b\" id=\"_291d2320-71ce-43fb-aa4a-55a51070d799\"><tr><td></td><td></td><td></td><td class=\"t m1 x1f0f h77 y4f26 ffb fs1d fc1 sc0 ls0 ws0\">Significant </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f29 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>aluation </td><td class=\"t m1 x1bd5 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">unobservable </td><td></td><td></td><td class=\"t m1 x1f22 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x51b h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">Other ke<span class=\"_ _0\"></span>y </td><td></td><td></td><td class=\"t m1 x620 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"t m1 x4da h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5ce h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">technique<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2a y4f29 w132d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">inputs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2b y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2c y4f29 w132f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f2d h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">average<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2e y4f29 w1330 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">information<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2f y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f30 y4f29 w1de h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f1f h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment  </td><td class=\"t m1 x1f31 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f2b ffb fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f2c w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f32 y4f2c w1331 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Development  </td><td class=\"c n x1f33 y4f2e w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,505<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f34 y4f2e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1d8c y4f2e w818 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f35 y4f2e w1332 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.220<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f36 y4f2e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f37 y4f2e w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f38 y4f2e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f39 y4f2e w955 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3a y4f2e w1334 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,02<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">metres,  </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Agricultural  </td><td class=\"c n x1f3c y4f32 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3d y4f32 wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f32 w1335 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3f y4f32 w1336 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.70<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f40 y4f32 w1337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f41 y4f32 w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f42 y4f32 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f43 y4f32 w1338 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f44 y4f32 w35b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Residential  </td><td class=\"c n x4ff y4f36 wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f45 y4f36 w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f36 w1339 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f46 y4f36 w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f47 y4f36 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f48 y4f36 w133a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f49 y4f36 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4a y4f36 w133b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4b y4f36 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x5d6 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential </td><td class=\"t m1 x1f4c h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f3a ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4f3b w10d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4d y4f3b w14d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mark<span class=\"_ _0\"></span>et</div></td><td class=\"t m1 x1f4e h1b y4f3c ff2 fs8 fc1 sc0 ls0 ws16\">Price of the </td><td class=\"c n x1f4f y4f3b wa2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22.870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f50 y4f3b w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,838.861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f51 y4f3b w133c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,321.0<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f52 y4f3b w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f53 y4f3b wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f54 y4f3b waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f55 y4f3b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,684<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x1f3b h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">approach </td><td class=\"t m1 x2f6 h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1645 h1b y4f3e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1e83 h1b y4f3f ff2 fs8 fc1 sc0 ls0 ws0\">Square </td><td class=\"c n x1f38 y4f40 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f56 y4f40 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f57 y4f40 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">984<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f41 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51b h1b y4f42 ff2 fs8 fc1 sc0 ls0 ws0\">Building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>Price, rate and cost of unobservable inputs in this table ar<span class=\"_ _0\"></span>e presented in Georgian Lari (\u2018<span class=\"_ _0\"></span>GEL<span class=\"_ _0\"></span>\u2019), unless otherwise indicated.<span class=\"_ _3e0\"> </span>Set out below is an ov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>view of all <span class=\"_ _0\"></span>financial instruments other than those <span class=\"_ _0\"></span>for which <span class=\"_ _0\"></span>the carrying amount is a reasonable appro<span class=\"_ _0\"></span>ximation of fair<span class=\"_ _0\"></span> value held by<span class=\"_ _0\"></span> the Group as at 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021:<span class=\"_ _3e0\"> </span><table class=\"s w1105 h17c\" id=\"_8b55b4cc-0588-4a93-bb2a-4c911bd3e470\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f43 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x1f58 y4cd4 w133d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4cd4 w133e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f59 y4cd4 w133f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f44 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cce w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4cce w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4cc4 w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w1341 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5c y4cbf w1093 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5d y4cbf w8c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5e y4ccf w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5f y4ccf w1343 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>424,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f60 y4ccf w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4a9a w1345 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f61 y4f45 w1346 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,825,070<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f62 y4f45 w1347 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,432,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4f45 w1070 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,353<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f46 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b41 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4b41 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x231 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4dc6 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f65 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4c0f w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4b44 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f66 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1349 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _0\"></span> liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4ade w8cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f67 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4adf w134a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f68 y4aa3 w134b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,355,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f69 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w134c h17d\" id=\"_03cb340b-c8b4-49a1-ab16-4df84e1c9251\"><tr><td></td><td></td><td class=\"c n x1f6a y4f47 w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f47 w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x1f6c y4f48 w134f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6d y4f48 w1350 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6e y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6f y4f48 w1351 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f70 y4f48 w1352 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f71 y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f49 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f4a ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f4b wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f4b w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f73 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f74 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f75 y4f4b w38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f76 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f77 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4c w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f78 y4f4c w1354 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f79 y4f4c w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4d w1341 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7b y4f4d wce4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7c y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7d y4f4d we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4e w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7e y4f4e w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7f y4f4e w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f80 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f81 y4f4e w1355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4f w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f83 y4f4f w8a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4f4f w1357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,827<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f50 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f51 w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f84 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f85 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f86 y4f51 w1359 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f87 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f88 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f89 y4f51 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f52 we15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8a y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8c y4f52 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4f52 w135a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f53 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8d y4f53 w135b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,656,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8e y4f53 w135c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _d\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8f y4f53 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f90 y4f53 w135d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,624<span class=\"_ _2\"></span>,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f91 y4f53 w135e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f92 y4f53 w135f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f54 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f55 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4f55 w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f94 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f95 y4f55 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f96 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f97 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e71 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4e71 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f99 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9a y4e71 w1361 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b08 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9b y4b08 w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9c y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9d y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9e y4b08 w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4e72 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9f y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e72 wc96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4b0b w1364 hfa\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x3c6 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa1 y4b0b w1365 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa2 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa3 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa4 y4b0b w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa5 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa6 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa7 y4b0c we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f56 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4adf w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa8 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faa y4adf w1366 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fab y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fac y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fad y4adf w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fae y4aa3 w1367 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,357<span class=\"_ _d\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faf y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb0 y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb1 y4aa3 w1368 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,0<span class=\"_ _2\"></span>19,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb2 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr></table>Fair <span class=\"_ _0\"></span>value of financial instruments <span class=\"_ _0\"></span>that are carried in the financial stat<span class=\"_ _0\"></span>ements not at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>Set out below is a comparison b<span class=\"_ _0\"></span>y class of <span class=\"_ _0\"></span>the carr<span class=\"_ _2\"></span>ying amounts and f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s <span class=\"_ _0\"></span>financial instruments that are c<span class=\"_ _0\"></span>arried in the financial statemen<span class=\"_ _0\"></span>ts. The table does not include <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>values of non-financial assets and non-financial liabilities, <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alues of other smaller<span class=\"_ _0\"></span> financial assets and financial liabilities f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> which are materially<span class=\"_ _0\"></span> close to their carrying values.<span class=\"_ _3e0\"> </span><div class=\"gs94\"><table class=\"s w8b4 h17e\" id=\"_ab7d4196-804b-4bfc-9d34-fd389125d788\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f57 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x621 h77 y4f58 ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"c n x1fb3 y4d94 w1369 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb4 y4d94 w136a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Fair value</div></td><td class=\"t m1 x4e1 h77 y4f59 ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5a ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc5 w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb5 y4dc5 w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb6 y4dc5 w136b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,7<span class=\"_ _0\"></span>81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb7 y4dc5 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4b41 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb8 y4b41 w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb9 y4b41 w5f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(756,706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5b ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c0f w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4c0f w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fba y4c0f w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbb y4c0f w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4b44 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbc y4b44 w136c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbd y4b44 w411 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbe y4ade w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbf y4ade w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc0 y4ade wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>01<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4adf wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc1 y4adf w136d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc2 y4adf w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w136e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x9c8 y4aa3 w284 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>68,597)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs747\"><table class=\"s w48e h17f\" id=\"_ec989773-bfed-470a-a8d8-79100cbdf69d\"><tr><td></td><td></td><td class=\"c n x1f6a y4f5c w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f5c w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Carrying  </td><td class=\"t m1 x1fc3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x56a h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td><td></td><td class=\"t m1 x4b3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x621 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"t m1 x1fc4 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x1fc5 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"c n x533 y4f5f w136f h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc6 y4f5f w1369 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x6d0 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x4e1 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f60 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ca y4f55 wf86 hf9\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc7 y4f55 w1370 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc8 y4f55 w130b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc9 y4f55 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fca y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcb y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x34b y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f61 ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f62 wde3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f62 w1353 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcc y4f62 w1371 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcd y4f62 w1372 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fce y4f62 w38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _d\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcf y4f62 w1373 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _5\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd0 y4f62 w1374 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(381,248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f63 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b0a w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4b0a w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd1 y4b0a w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b0a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd2 y4b0a wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd3 y4b0a w1375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd4 y4b0a w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f64 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4f64 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd5 y4f64 w1376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242<span class=\"_ _2\"></span>,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd6 y4f64 w1377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd7 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd8 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4f64 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd9 y4b0c w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fda y4b0c w84f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdb y4b0c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdc y4b0c w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdd y4b0c w1322 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fde y4b0c w1378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,230)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f65 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4f65 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdf y4f65 w1379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4f65 w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe0 y4f65 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe1 y4f65 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe2 y4f65 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f66 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4aa3 w137a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws89\">fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe3 y4aa3 w137b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(530,454)<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe4 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(435,683)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs748\">The follo<span class=\"_ _0\"></span>wing describes the <span class=\"_ _2\"></span>methodologies and assumptions used to determine fair values f<span class=\"_ _0\"></span>or those financial instruments which are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs749\">not already<span class=\"_ _0\"></span> recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ _0\"></span> value in the consolidated <span class=\"_ _0\"></span>financial statements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws49 gs74a\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alue appro<span class=\"_ _0\"></span>ximates carrying value<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs74b\">For <span class=\"_ _0\"></span>financial assets and financial liabilities that ar<span class=\"_ _0\"></span>e liquid or have a short-term maturity (less <span class=\"_ _0\"></span>than three months<span class=\"_ _0\"></span>), it is assumed that </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs74c\">the carrying amounts approximat<span class=\"_ _0\"></span>e to their f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. This assumption is also applied to demand deposits, savings ac<span class=\"_ _0\"></span>counts without </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs74d\">a specific maturity<span class=\"_ _d\"></span>, and variable rate financial instr<span class=\"_ _0\"></span>uments.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs74e\">Fix<span class=\"_ _0\"></span>ed rate financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs74f\">The f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>fixed rate <span class=\"_ _0\"></span>financial assets and liabilities carried at amortised cost are estimated b<span class=\"_ _0\"></span>y comparing mark<span class=\"_ _0\"></span>et interest </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs750\">rates <span class=\"_ _0\"></span>when they<span class=\"_ _0\"></span> were firs<span class=\"_ _0\"></span>t recognised with curr<span class=\"_ _0\"></span>ent market r<span class=\"_ _0\"></span>ates off<span class=\"_ _0\"></span>ered f<span class=\"_ _0\"></span>or similar financial instruments. <span class=\"_ _0\"></span>The estimated f<span class=\"_ _0\"></span>air value of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs751\">fixed inter<span class=\"_ _0\"></span>est-bearing deposits is based on discounted c<span class=\"_ _0\"></span>ash flows using prev<span class=\"_ _0\"></span>ailing money-mark<span class=\"_ _0\"></span>et interest r<span class=\"_ _0\"></span>ates for<span class=\"_ _0\"></span> debts with similar </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs752\">credit risk and maturity<span class=\"_ _d\"></span>. For <span class=\"_ _0\"></span>financial assets and financial liabilities maturing in less than a <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, it is assumed that the carrying </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs753\">amounts appro<span class=\"_ _0\"></span>ximate to their fair<span class=\"_ _0\"></span> value.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-823": {
   "value": "31.  Fair value measur<span class=\"_ _0\"></span>ements<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of fair<span class=\"_ _0\"></span> value disclosures, <span class=\"_ _0\"></span>the Group has determined classes of asse<span class=\"_ _0\"></span>ts and liabilities on the basis of the natur<span class=\"_ _0\"></span>e, characteristics and risks of <span class=\"_ _0\"></span>the asset or liability<span class=\"_ _d\"></span>. The f<span class=\"_ _0\"></span>ollowing tables show analysis of<span class=\"_ _0\"></span> assets and liabilities measured at f<span class=\"_ _0\"></span>air value or for<span class=\"_ _0\"></span> which fair<span class=\"_ _0\"></span> values are disclosed b<span class=\"_ _0\"></span>y level o<span class=\"_ _0\"></span>f the f<span class=\"_ _0\"></span>air value hierar<span class=\"_ _0\"></span>chy:<span class=\"_ _3e0\"> </span><table class=\"s w10a1 h176\" id=\"_837b8fb1-81f4-4eff-9419-e6748d91cd74\"><tr><td></td><td class=\"c n x1ca y4ef4 w12e8 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1e93 y4ef4 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4ef4 w9ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e95 y4ef4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef5 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e96 y4ef6 w4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4ef6 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e31 w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e97 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e98 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e99 y4e31 wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9a y4e31 w92c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e32 w12ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9b y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9c y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9d y4e32 w12eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9e y4e32 wc66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ef7 w12ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9f y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea0 y4ef7 wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea1 y4ef7 w12ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea2 y4e35 w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea3 y4e35 w12ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,42<span class=\"_ _2\"></span>4,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea4 y4e35 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea5 y4e35 w12ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439<span class=\"_ _0\"></span>,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea7 y4ef8 w12f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea8 y4ef8 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef9 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea9 y4e37 w28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaa y4e37 w1235 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eac y4e38 w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ead y4e38 w12f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eae y4efa w12f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,781<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaf y4efa w12f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb1 y4e3a w12f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb2 y4e3a w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,4<span class=\"_ _0\"></span>76,<span class=\"_ _0\"></span>015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efb ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb3 y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efc ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb4 y4bee w12fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,469,6<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb5 y4bee w12fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb6 y4bee w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb8 y4bef w12fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,735,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb9 y4bef w12fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,416,<span class=\"_ _0\"></span>771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eba y4bef w12fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebc y4ac9 w63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebd y4ac9 w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebe y4ac9 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4aa3 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec0 y4aa3 w12ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec1 y4aa3 w1300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1301 h177\" id=\"_d4c815ad-fc59-439f-a327-eb66e793ab75\"><tr><td></td><td class=\"c n x1ca y4efd w1302 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1ec2 y4efd w1303 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec3 y4efd wb18 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec4 y4efd w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efe ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eff w12e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec5 y4eff w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec6 y4eff w1304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f00 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec9 y4ef6 w1305 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eca y4ef6 w1306 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f01 ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecb y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecc y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f02 ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecd y4e32 we0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ece y4e32 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef7 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4ef7 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed0 y4ef7 w1307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,360<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed1 y4ef7 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed2 y4ef7 w1308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w12f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed3 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed4 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w1309 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed5 y4ef8 w10dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed6 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed7 y4ef8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f03 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed8 y4e37 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4e37 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eda y4e38 w2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edb y4e38 w125b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edc y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edd y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ede y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edf y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f04 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee0 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee1 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f05 ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee2 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee3 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee4 y4bef w130d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,033,727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee5 y4bef w1117 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee6 y4bef w130e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee7 y4ac9 w991 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee8 y4ac9 w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee9 y4ac9 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eea y4aa3 w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eeb y4aa3 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eec y4aa3 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w130f h178\" id=\"_9d12edc2-5e2c-4ec2-94c7-4322c3f9f0d6\"><tr><td></td><td class=\"c n x1ca y4f06 w1310 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _1e2\"> </span><span class=\"ls9e wse9\">Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1eed y4f06 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4f06 w1311 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eee y4f06 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f07 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eef y4ef6 w1312 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef0 y4ef6 w50 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f08 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef1 y4f09 w1313 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef2 y4f09 w1314 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0a ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef3 y4e32 w1315 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef4 y4e32 w2d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0b ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef5 y4ef7 w967 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef6 y4ef7 w1316 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4e35 w71d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef7 y4e35 w1317 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4e35 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4e35 w1318 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef8 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef9 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f0c w1309 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efa y4f0c w1319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efb y4f0c w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0d ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e38 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efc y4e38 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4e38 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efd y4efa w131b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efe y4efa w131c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eff y4e3a w131d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>787<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f00 y4e3a w131e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0e ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f02 y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0f ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f03 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f04 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f05 y4bef w1320 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,635,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f06 y4bef w204 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">683,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f07 y4bef w76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f08 y4ac9 w1321 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f09 y4ac9 w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0a y4ac9 w1322 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x268 y4aa3 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0b y4aa3 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0c y4aa3 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0d y4aa3 w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td></tr></table>The f<span class=\"_ _0\"></span>ollowing is a description of the determination of<span class=\"_ _0\"></span> fair <span class=\"_ _0\"></span>value for<span class=\"_ _0\"></span> financial instruments which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair <span class=\"_ _0\"></span>value using valuation techniques. <span class=\"_ _0\"></span>These incorporate <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s estimate of assumptions that a mark<span class=\"_ _0\"></span>et participant would make <span class=\"_ _0\"></span>when valuing the instruments.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Derivative financial instrumen<span class=\"_ _0\"></span>ts valued using a valuation t<span class=\"_ _0\"></span>echnique with market observable inputs are mainly<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate swaps, currency<span class=\"_ _0\"></span> swaps, forwar<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span>eign exchange c<span class=\"_ _0\"></span>ontracts and option contr<span class=\"_ _0\"></span>acts. The most f<span class=\"_ _0\"></span>requently<span class=\"_ _0\"></span> applied valuation techniques include f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward pricing and swap models, using pr<span class=\"_ _0\"></span>esent value calculations, as <span class=\"_ _0\"></span>well as standard option pricing models. <span class=\"_ _0\"></span>The models incorporate <span class=\"_ _0\"></span>various inputs including the credit quality<span class=\"_ _0\"></span> of counterparties, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchange spot and f<span class=\"_ _0\"></span>orward rates, inter<span class=\"_ _0\"></span>est rate curves and implied volatilities.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and inve<span class=\"_ _0\"></span>stment securities<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and a certain part of investment securities ar<span class=\"_ _0\"></span>e quoted equity and debt securities. In<span class=\"_ _0\"></span>vestment securities valued using a valuation technique or<span class=\"_ _0\"></span> pricing models consist of unquoted equity<span class=\"_ _0\"></span> and debt securities. These securities ar<span class=\"_ _0\"></span>e valued using models which sometimes only inc<span class=\"_ _0\"></span>orporate data observable in the mark<span class=\"_ _0\"></span>et and at other times use both observable and non-observable data. The non-observable inputs to the models include assumptions r<span class=\"_ _0\"></span>egarding the f<span class=\"_ _0\"></span>uture financial performanc<span class=\"_ _0\"></span>e of the investee<span class=\"_ _0\"></span>, its risk profile, and economic assumptions r<span class=\"_ _0\"></span>egarding the industry and geogr<span class=\"_ _0\"></span>aphical jurisdiction in which the investee oper<span class=\"_ _0\"></span>ates.<span class=\"_ _3e0\"> </span>Assets and liabilities not measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value but for<span class=\"_ _0\"></span> which fair <span class=\"_ _0\"></span>value is disclosed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values in the lev<span class=\"_ _0\"></span>el 2 and level 3 of the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y are es<span class=\"_ _0\"></span>timated using the discounted cash flo<span class=\"_ _0\"></span>ws valuation technique. Current in<span class=\"_ _0\"></span>terest rat<span class=\"_ _0\"></span>es for ne<span class=\"_ _0\"></span>w instruments with similar cr<span class=\"_ _0\"></span>edit risk, currency and r<span class=\"_ _0\"></span>emaining maturity is used as discount r<span class=\"_ _0\"></span>ate in the valuation model.<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>Mov<span class=\"_ _0\"></span>ements in Level 3 financial instrumen<span class=\"_ _0\"></span>ts measured at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show a r<span class=\"_ _0\"></span>econciliation of the opening and closing amounts of<span class=\"_ _0\"></span> Level 3 financial assets which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ gs7d\"> </span>value:<span class=\"_ _3e0\"> </span><table class=\"s w1323 h179\" id=\"_c4f1c9db-4ff4-417f-91ec-eac430ee8d96\"><tr><td></td><td class=\"t m1 x1f0e h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f0f h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x2fe h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x2f9 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1285 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f10 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1f11 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m1 x1f12 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f13 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4f11 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f14 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1642 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f12 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f15 y4aa3 w1325 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f16 y4aa3 w4bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f17 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f18 y4aa3 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4aa3 wbce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f19 y4aa3 w1326 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,9<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f1a y4aa3 w1327 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ements in Level 3 non-financial assets measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value<span class=\"_ _3e0\"> </span>All investment pr<span class=\"_ _0\"></span>operties are Level 3. R<span class=\"_ _0\"></span>econciliations of their opening and closing amoun<span class=\"_ _0\"></span>ts are pro<span class=\"_ _0\"></span>vided in Note 15.<span class=\"_ _3e0\"> </span>Impact on fair <span class=\"_ _0\"></span>value of Lev<span class=\"_ _0\"></span>el 3 financial instruments measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of changes to k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table shows the impact on the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f Level 3 instruments of<span class=\"_ _0\"></span> using reasonably possible alternativ<span class=\"_ _0\"></span>e assumptions:<span class=\"_ _3e0\"> </span><table class=\"s w1328 h17a\" id=\"_c91f285a-9087-4732-ae02-37200c38af23\"><tr><td></td><td class=\"c n x1e79 y4f13 w3f0 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4f13 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4f13 w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f1b h77 y4f14 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1643 h77 y4f15 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1f1c h77 y4f16 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td></tr><tr><td></td><td></td><td class=\"t m1 x1f1d h77 y4f17 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x1f1e h77 y4f18 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x4e1 h77 y4f19 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td></tr><tr><td></td><td></td><td class=\"t m1 x878 h77 y4f1a ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x50d h77 y4f1b ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x1f1f h77 y4f1c ffb fs1d fc1 sc0 ls0 ws0\">possible </td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f1d ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1d h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1e7e h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1e h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1f20 h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x4e1 h77 y4f20 ffb fs1d fc1 sc0 ls0 ws0\">alternative </td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4f21 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f21 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f22 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48b h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1d40 h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4f24 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f25 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f23 y4aa3 w1329 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f24 y4aa3 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 1120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f25 y4aa3 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f26 y4aa3 w132a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f27 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f28 y4aa3 w132b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 549<span class=\"_ _3e0\"> </span></div></td></tr></table>In order <span class=\"_ _0\"></span>to determine reasonably<span class=\"_ _0\"></span> possible alternative assumptions, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s adjusted key<span class=\"_ _0\"></span> unobservable model inputs are as<span class=\"_ gs7d\"> </span>follows:<span class=\"_ _3e0\"> </span>For equities, <span class=\"_ _0\"></span>the Group adjusted the price-o<span class=\"_ _0\"></span>ver-book-<span class=\"_ _0\"></span>value multiple by<span class=\"_ _0\"></span> increasing and decreasing <span class=\"_ _0\"></span>the ratio by<span class=\"_ _0\"></span> 10%, which is considered b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to be within a r<span class=\"_ _0\"></span>ange of reasonably<span class=\"_ _0\"></span> possible alternatives based on the price-ov<span class=\"_ _0\"></span>er-book-<span class=\"_ _0\"></span>value multiples used across peers <span class=\"_ _0\"></span>within the same geographic ar<span class=\"_ _0\"></span>ea of the same industry<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Description of signific<span class=\"_ _0\"></span>ant unobservable inputs to valuations of<span class=\"_ _0\"></span> non-financial assets<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show descriptions of<span class=\"_ _0\"></span> significant unobservable inputs to Level 3 <span class=\"_ _0\"></span>valuations of investment pr<span class=\"_ _0\"></span>operties:<span class=\"_ _3e0\"> </span><table class=\"s w132c h17b\" id=\"_291d2320-71ce-43fb-aa4a-55a51070d799\"><tr><td></td><td></td><td></td><td class=\"t m1 x1f0f h77 y4f26 ffb fs1d fc1 sc0 ls0 ws0\">Significant </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f29 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>aluation </td><td class=\"t m1 x1bd5 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">unobservable </td><td></td><td></td><td class=\"t m1 x1f22 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x51b h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">Other ke<span class=\"_ _0\"></span>y </td><td></td><td></td><td class=\"t m1 x620 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"t m1 x4da h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5ce h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">technique<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2a y4f29 w132d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">inputs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2b y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2c y4f29 w132f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f2d h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">average<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2e y4f29 w1330 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">information<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2f y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f30 y4f29 w1de h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f1f h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment  </td><td class=\"t m1 x1f31 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f2b ffb fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f2c w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f32 y4f2c w1331 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Development  </td><td class=\"c n x1f33 y4f2e w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,505<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f34 y4f2e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1d8c y4f2e w818 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f35 y4f2e w1332 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.220<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f36 y4f2e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f37 y4f2e w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f38 y4f2e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f39 y4f2e w955 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3a y4f2e w1334 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,02<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">metres,  </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Agricultural  </td><td class=\"c n x1f3c y4f32 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3d y4f32 wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f32 w1335 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3f y4f32 w1336 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.70<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f40 y4f32 w1337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f41 y4f32 w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f42 y4f32 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f43 y4f32 w1338 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f44 y4f32 w35b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Residential  </td><td class=\"c n x4ff y4f36 wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f45 y4f36 w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f36 w1339 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f46 y4f36 w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f47 y4f36 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f48 y4f36 w133a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f49 y4f36 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4a y4f36 w133b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4b y4f36 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x5d6 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential </td><td class=\"t m1 x1f4c h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f3a ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4f3b w10d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4d y4f3b w14d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mark<span class=\"_ _0\"></span>et</div></td><td class=\"t m1 x1f4e h1b y4f3c ff2 fs8 fc1 sc0 ls0 ws16\">Price of the </td><td class=\"c n x1f4f y4f3b wa2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22.870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f50 y4f3b w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,838.861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f51 y4f3b w133c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,321.0<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f52 y4f3b w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f53 y4f3b wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f54 y4f3b waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f55 y4f3b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,684<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x1f3b h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">approach </td><td class=\"t m1 x2f6 h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1645 h1b y4f3e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1e83 h1b y4f3f ff2 fs8 fc1 sc0 ls0 ws0\">Square </td><td class=\"c n x1f38 y4f40 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f56 y4f40 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f57 y4f40 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">984<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f41 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51b h1b y4f42 ff2 fs8 fc1 sc0 ls0 ws0\">Building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>Price, rate and cost of unobservable inputs in this table ar<span class=\"_ _0\"></span>e presented in Georgian Lari (\u2018<span class=\"_ _0\"></span>GEL<span class=\"_ _0\"></span>\u2019), unless otherwise indicated.<span class=\"_ _3e0\"> </span>Set out below is an ov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>view of all <span class=\"_ _0\"></span>financial instruments other than those <span class=\"_ _0\"></span>for which <span class=\"_ _0\"></span>the carrying amount is a reasonable appro<span class=\"_ _0\"></span>ximation of fair<span class=\"_ _0\"></span> value held by<span class=\"_ _0\"></span> the Group as at 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021:<span class=\"_ _3e0\"> </span><table class=\"s w1105 h17c\" id=\"_8b55b4cc-0588-4a93-bb2a-4c911bd3e470\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f43 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x1f58 y4cd4 w133d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4cd4 w133e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f59 y4cd4 w133f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f44 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cce w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4cce w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4cc4 w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w1341 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5c y4cbf w1093 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5d y4cbf w8c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5e y4ccf w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5f y4ccf w1343 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>424,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f60 y4ccf w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4a9a w1345 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f61 y4f45 w1346 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,825,070<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f62 y4f45 w1347 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,432,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4f45 w1070 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,353<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f46 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b41 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4b41 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x231 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4dc6 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f65 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4c0f w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4b44 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f66 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1349 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _0\"></span> liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4ade w8cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f67 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4adf w134a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f68 y4aa3 w134b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,355,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f69 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w134c h17d\" id=\"_03cb340b-c8b4-49a1-ab16-4df84e1c9251\"><tr><td></td><td></td><td class=\"c n x1f6a y4f47 w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f47 w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x1f6c y4f48 w134f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6d y4f48 w1350 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6e y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6f y4f48 w1351 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f70 y4f48 w1352 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f71 y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f49 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f4a ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f4b wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f4b w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f73 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f74 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f75 y4f4b w38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f76 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f77 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4c w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f78 y4f4c w1354 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f79 y4f4c w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4d w1341 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7b y4f4d wce4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7c y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7d y4f4d we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4e w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7e y4f4e w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7f y4f4e w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f80 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f81 y4f4e w1355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4f w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f83 y4f4f w8a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4f4f w1357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,827<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f50 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f51 w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f84 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f85 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f86 y4f51 w1359 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f87 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f88 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f89 y4f51 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f52 we15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8a y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8c y4f52 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4f52 w135a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f53 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8d y4f53 w135b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,656,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8e y4f53 w135c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _d\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8f y4f53 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f90 y4f53 w135d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,624<span class=\"_ _2\"></span>,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f91 y4f53 w135e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f92 y4f53 w135f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f54 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f55 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4f55 w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f94 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f95 y4f55 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f96 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f97 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e71 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4e71 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f99 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9a y4e71 w1361 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b08 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9b y4b08 w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9c y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9d y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9e y4b08 w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4e72 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9f y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e72 wc96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4b0b w1364 hfa\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x3c6 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa1 y4b0b w1365 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa2 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa3 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa4 y4b0b w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa5 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa6 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa7 y4b0c we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f56 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4adf w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa8 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faa y4adf w1366 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fab y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fac y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fad y4adf w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fae y4aa3 w1367 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,357<span class=\"_ _d\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faf y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb0 y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb1 y4aa3 w1368 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,0<span class=\"_ _2\"></span>19,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb2 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr></table>Fair <span class=\"_ _0\"></span>value of financial instruments <span class=\"_ _0\"></span>that are carried in the financial stat<span class=\"_ _0\"></span>ements not at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>Set out below is a comparison b<span class=\"_ _0\"></span>y class of <span class=\"_ _0\"></span>the carr<span class=\"_ _2\"></span>ying amounts and f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s <span class=\"_ _0\"></span>financial instruments that are c<span class=\"_ _0\"></span>arried in the financial statemen<span class=\"_ _0\"></span>ts. The table does not include <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>values of non-financial assets and non-financial liabilities, <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alues of other smaller<span class=\"_ _0\"></span> financial assets and financial liabilities f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> which are materially<span class=\"_ _0\"></span> close to their carrying values.<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h17e\" id=\"_ab7d4196-804b-4bfc-9d34-fd389125d788\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f57 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x621 h77 y4f58 ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"c n x1fb3 y4d94 w1369 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb4 y4d94 w136a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Fair value</div></td><td class=\"t m1 x4e1 h77 y4f59 ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5a ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc5 w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb5 y4dc5 w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb6 y4dc5 w136b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,7<span class=\"_ _0\"></span>81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb7 y4dc5 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4b41 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb8 y4b41 w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb9 y4b41 w5f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(756,706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5b ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c0f w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4c0f w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fba y4c0f w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbb y4c0f w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4b44 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbc y4b44 w136c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbd y4b44 w411 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbe y4ade w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbf y4ade w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc0 y4ade wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>01<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4adf wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc1 y4adf w136d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc2 y4adf w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w136e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x9c8 y4aa3 w284 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>68,597)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h17f\" id=\"_ec989773-bfed-470a-a8d8-79100cbdf69d\"><tr><td></td><td></td><td class=\"c n x1f6a y4f5c w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f5c w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Carrying  </td><td class=\"t m1 x1fc3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x56a h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td><td></td><td class=\"t m1 x4b3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x621 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"t m1 x1fc4 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x1fc5 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"c n x533 y4f5f w136f h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc6 y4f5f w1369 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x6d0 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x4e1 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f60 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ca y4f55 wf86 hf9\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc7 y4f55 w1370 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc8 y4f55 w130b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc9 y4f55 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fca y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcb y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x34b y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f61 ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f62 wde3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f62 w1353 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcc y4f62 w1371 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcd y4f62 w1372 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fce y4f62 w38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _d\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcf y4f62 w1373 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _5\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd0 y4f62 w1374 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(381,248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f63 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b0a w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4b0a w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd1 y4b0a w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b0a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd2 y4b0a wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd3 y4b0a w1375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd4 y4b0a w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f64 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4f64 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd5 y4f64 w1376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242<span class=\"_ _2\"></span>,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd6 y4f64 w1377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd7 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd8 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4f64 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd9 y4b0c w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fda y4b0c w84f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdb y4b0c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdc y4b0c w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdd y4b0c w1322 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fde y4b0c w1378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,230)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f65 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4f65 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdf y4f65 w1379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4f65 w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe0 y4f65 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe1 y4f65 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe2 y4f65 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f66 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4aa3 w137a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws89\">fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe3 y4aa3 w137b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(530,454)<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe4 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(435,683)<span class=\"_ _3e0\"> </span></div></td></tr></table>The follo<span class=\"_ _0\"></span>wing describes the <span class=\"_ _2\"></span>methodologies and assumptions used to determine fair values f<span class=\"_ _0\"></span>or those financial instruments which are not already<span class=\"_ _0\"></span> recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ _0\"></span> value in the consolidated <span class=\"_ _0\"></span>financial statements.<span class=\"_ _3e0\"> </span>Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alue appro<span class=\"_ _0\"></span>ximates carrying value<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial assets and financial liabilities that ar<span class=\"_ _0\"></span>e liquid or have a short-term maturity (less <span class=\"_ _0\"></span>than three months<span class=\"_ _0\"></span>), it is assumed that the carrying amounts approximat<span class=\"_ _0\"></span>e to their f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. This assumption is also applied to demand deposits, savings ac<span class=\"_ _0\"></span>counts without a specific maturity<span class=\"_ _d\"></span>, and variable rate financial instr<span class=\"_ _0\"></span>uments.<span class=\"_ _3e0\"> </span>Fix<span class=\"_ _0\"></span>ed rate financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>fixed rate <span class=\"_ _0\"></span>financial assets and liabilities carried at amortised cost are estimated b<span class=\"_ _0\"></span>y comparing mark<span class=\"_ _0\"></span>et interest rates <span class=\"_ _0\"></span>when they<span class=\"_ _0\"></span> were firs<span class=\"_ _0\"></span>t recognised with curr<span class=\"_ _0\"></span>ent market r<span class=\"_ _0\"></span>ates off<span class=\"_ _0\"></span>ered f<span class=\"_ _0\"></span>or similar financial instruments. <span class=\"_ _0\"></span>The estimated f<span class=\"_ _0\"></span>air value of fixed inter<span class=\"_ _0\"></span>est-bearing deposits is based on discounted c<span class=\"_ _0\"></span>ash flows using prev<span class=\"_ _0\"></span>ailing money-mark<span class=\"_ _0\"></span>et interest r<span class=\"_ _0\"></span>ates for<span class=\"_ _0\"></span> debts with similar credit risk and maturity<span class=\"_ _d\"></span>. For <span class=\"_ _0\"></span>financial assets and financial liabilities maturing in less than a <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, it is assumed that the carrying amounts appro<span class=\"_ _0\"></span>ximate to their fair<span class=\"_ _0\"></span> value.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-829": {
   "value": "31.  Fair value measur<span class=\"_ _0\"></span>ements<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of fair<span class=\"_ _0\"></span> value disclosures, <span class=\"_ _0\"></span>the Group has determined classes of asse<span class=\"_ _0\"></span>ts and liabilities on the basis of the natur<span class=\"_ _0\"></span>e, characteristics and risks of <span class=\"_ _0\"></span>the asset or liability<span class=\"_ _d\"></span>. The f<span class=\"_ _0\"></span>ollowing tables show analysis of<span class=\"_ _0\"></span> assets and liabilities measured at f<span class=\"_ _0\"></span>air value or for<span class=\"_ _0\"></span> which fair<span class=\"_ _0\"></span> values are disclosed b<span class=\"_ _0\"></span>y level o<span class=\"_ _0\"></span>f the f<span class=\"_ _0\"></span>air value hierar<span class=\"_ _0\"></span>chy:<span class=\"_ _3e0\"> </span><table class=\"s w10a1 h176\" id=\"_837b8fb1-81f4-4eff-9419-e6748d91cd74\"><tr><td></td><td class=\"c n x1ca y4ef4 w12e8 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1e93 y4ef4 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4ef4 w9ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e95 y4ef4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef5 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e96 y4ef6 w4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4ef6 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e31 w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e97 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e98 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e99 y4e31 wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9a y4e31 w92c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e32 w12ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9b y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9c y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9d y4e32 w12eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9e y4e32 wc66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ef7 w12ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9f y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea0 y4ef7 wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea1 y4ef7 w12ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea2 y4e35 w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea3 y4e35 w12ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,42<span class=\"_ _2\"></span>4,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea4 y4e35 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea5 y4e35 w12ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439<span class=\"_ _0\"></span>,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea7 y4ef8 w12f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea8 y4ef8 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef9 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea9 y4e37 w28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaa y4e37 w1235 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eac y4e38 w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ead y4e38 w12f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eae y4efa w12f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,781<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaf y4efa w12f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb1 y4e3a w12f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb2 y4e3a w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,4<span class=\"_ _0\"></span>76,<span class=\"_ _0\"></span>015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efb ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb3 y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efc ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb4 y4bee w12fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,469,6<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb5 y4bee w12fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb6 y4bee w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb8 y4bef w12fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,735,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb9 y4bef w12fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,416,<span class=\"_ _0\"></span>771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eba y4bef w12fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebc y4ac9 w63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebd y4ac9 w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebe y4ac9 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4aa3 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec0 y4aa3 w12ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec1 y4aa3 w1300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1301 h177\" id=\"_d4c815ad-fc59-439f-a327-eb66e793ab75\"><tr><td></td><td class=\"c n x1ca y4efd w1302 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1ec2 y4efd w1303 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec3 y4efd wb18 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec4 y4efd w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efe ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eff w12e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec5 y4eff w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec6 y4eff w1304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f00 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec9 y4ef6 w1305 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eca y4ef6 w1306 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f01 ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecb y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecc y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f02 ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecd y4e32 we0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ece y4e32 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef7 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4ef7 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed0 y4ef7 w1307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,360<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed1 y4ef7 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed2 y4ef7 w1308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w12f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed3 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed4 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w1309 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed5 y4ef8 w10dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed6 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed7 y4ef8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f03 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed8 y4e37 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4e37 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eda y4e38 w2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edb y4e38 w125b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edc y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edd y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ede y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edf y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f04 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee0 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee1 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f05 ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee2 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee3 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee4 y4bef w130d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,033,727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee5 y4bef w1117 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee6 y4bef w130e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee7 y4ac9 w991 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee8 y4ac9 w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee9 y4ac9 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eea y4aa3 w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eeb y4aa3 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eec y4aa3 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w130f h178\" id=\"_9d12edc2-5e2c-4ec2-94c7-4322c3f9f0d6\"><tr><td></td><td class=\"c n x1ca y4f06 w1310 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _1e2\"> </span><span class=\"ls9e wse9\">Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1eed y4f06 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4f06 w1311 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eee y4f06 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f07 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eef y4ef6 w1312 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef0 y4ef6 w50 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f08 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef1 y4f09 w1313 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef2 y4f09 w1314 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0a ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef3 y4e32 w1315 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef4 y4e32 w2d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0b ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef5 y4ef7 w967 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef6 y4ef7 w1316 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4e35 w71d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef7 y4e35 w1317 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4e35 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4e35 w1318 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef8 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef9 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f0c w1309 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efa y4f0c w1319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efb y4f0c w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0d ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e38 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efc y4e38 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4e38 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efd y4efa w131b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efe y4efa w131c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eff y4e3a w131d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>787<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f00 y4e3a w131e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0e ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f02 y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0f ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f03 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f04 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f05 y4bef w1320 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,635,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f06 y4bef w204 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">683,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f07 y4bef w76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f08 y4ac9 w1321 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f09 y4ac9 w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0a y4ac9 w1322 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x268 y4aa3 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0b y4aa3 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0c y4aa3 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0d y4aa3 w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td></tr></table>The f<span class=\"_ _0\"></span>ollowing is a description of the determination of<span class=\"_ _0\"></span> fair <span class=\"_ _0\"></span>value for<span class=\"_ _0\"></span> financial instruments which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair <span class=\"_ _0\"></span>value using valuation techniques. <span class=\"_ _0\"></span>These incorporate <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s estimate of assumptions that a mark<span class=\"_ _0\"></span>et participant would make <span class=\"_ _0\"></span>when valuing the instruments.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Derivative financial instrumen<span class=\"_ _0\"></span>ts valued using a valuation t<span class=\"_ _0\"></span>echnique with market observable inputs are mainly<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate swaps, currency<span class=\"_ _0\"></span> swaps, forwar<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span>eign exchange c<span class=\"_ _0\"></span>ontracts and option contr<span class=\"_ _0\"></span>acts. The most f<span class=\"_ _0\"></span>requently<span class=\"_ _0\"></span> applied valuation techniques include f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward pricing and swap models, using pr<span class=\"_ _0\"></span>esent value calculations, as <span class=\"_ _0\"></span>well as standard option pricing models. <span class=\"_ _0\"></span>The models incorporate <span class=\"_ _0\"></span>various inputs including the credit quality<span class=\"_ _0\"></span> of counterparties, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchange spot and f<span class=\"_ _0\"></span>orward rates, inter<span class=\"_ _0\"></span>est rate curves and implied volatilities.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and inve<span class=\"_ _0\"></span>stment securities<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and a certain part of investment securities ar<span class=\"_ _0\"></span>e quoted equity and debt securities. In<span class=\"_ _0\"></span>vestment securities valued using a valuation technique or<span class=\"_ _0\"></span> pricing models consist of unquoted equity<span class=\"_ _0\"></span> and debt securities. These securities ar<span class=\"_ _0\"></span>e valued using models which sometimes only inc<span class=\"_ _0\"></span>orporate data observable in the mark<span class=\"_ _0\"></span>et and at other times use both observable and non-observable data. The non-observable inputs to the models include assumptions r<span class=\"_ _0\"></span>egarding the f<span class=\"_ _0\"></span>uture financial performanc<span class=\"_ _0\"></span>e of the investee<span class=\"_ _0\"></span>, its risk profile, and economic assumptions r<span class=\"_ _0\"></span>egarding the industry and geogr<span class=\"_ _0\"></span>aphical jurisdiction in which the investee oper<span class=\"_ _0\"></span>ates.<span class=\"_ _3e0\"> </span>Assets and liabilities not measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value but for<span class=\"_ _0\"></span> which fair <span class=\"_ _0\"></span>value is disclosed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values in the lev<span class=\"_ _0\"></span>el 2 and level 3 of the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y are es<span class=\"_ _0\"></span>timated using the discounted cash flo<span class=\"_ _0\"></span>ws valuation technique. Current in<span class=\"_ _0\"></span>terest rat<span class=\"_ _0\"></span>es for ne<span class=\"_ _0\"></span>w instruments with similar cr<span class=\"_ _0\"></span>edit risk, currency and r<span class=\"_ _0\"></span>emaining maturity is used as discount r<span class=\"_ _0\"></span>ate in the valuation model.<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>Mov<span class=\"_ _0\"></span>ements in Level 3 financial instrumen<span class=\"_ _0\"></span>ts measured at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show a r<span class=\"_ _0\"></span>econciliation of the opening and closing amounts of<span class=\"_ _0\"></span> Level 3 financial assets which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ gs7d\"> </span>value:<span class=\"_ _3e0\"> </span><table class=\"s w1323 h179\" id=\"_c4f1c9db-4ff4-417f-91ec-eac430ee8d96\"><tr><td></td><td class=\"t m1 x1f0e h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f0f h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x2fe h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x2f9 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1285 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f10 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1f11 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m1 x1f12 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f13 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4f11 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f14 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1642 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f12 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f15 y4aa3 w1325 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f16 y4aa3 w4bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f17 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f18 y4aa3 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4aa3 wbce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f19 y4aa3 w1326 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,9<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f1a y4aa3 w1327 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ements in Level 3 non-financial assets measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value<span class=\"_ _3e0\"> </span>All investment pr<span class=\"_ _0\"></span>operties are Level 3. R<span class=\"_ _0\"></span>econciliations of their opening and closing amoun<span class=\"_ _0\"></span>ts are pro<span class=\"_ _0\"></span>vided in Note 15.<span class=\"_ _3e0\"> </span>Impact on fair <span class=\"_ _0\"></span>value of Lev<span class=\"_ _0\"></span>el 3 financial instruments measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of changes to k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table shows the impact on the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f Level 3 instruments of<span class=\"_ _0\"></span> using reasonably possible alternativ<span class=\"_ _0\"></span>e assumptions:<span class=\"_ _3e0\"> </span><table class=\"s w1328 h17a\" id=\"_c91f285a-9087-4732-ae02-37200c38af23\"><tr><td></td><td class=\"c n x1e79 y4f13 w3f0 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4f13 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4f13 w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f1b h77 y4f14 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1643 h77 y4f15 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1f1c h77 y4f16 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td></tr><tr><td></td><td></td><td class=\"t m1 x1f1d h77 y4f17 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x1f1e h77 y4f18 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x4e1 h77 y4f19 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td></tr><tr><td></td><td></td><td class=\"t m1 x878 h77 y4f1a ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x50d h77 y4f1b ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x1f1f h77 y4f1c ffb fs1d fc1 sc0 ls0 ws0\">possible </td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f1d ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1d h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1e7e h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1e h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1f20 h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x4e1 h77 y4f20 ffb fs1d fc1 sc0 ls0 ws0\">alternative </td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4f21 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f21 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f22 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48b h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1d40 h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4f24 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f25 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f23 y4aa3 w1329 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f24 y4aa3 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 1120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f25 y4aa3 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f26 y4aa3 w132a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f27 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f28 y4aa3 w132b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 549<span class=\"_ _3e0\"> </span></div></td></tr></table>In order <span class=\"_ _0\"></span>to determine reasonably<span class=\"_ _0\"></span> possible alternative assumptions, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s adjusted key<span class=\"_ _0\"></span> unobservable model inputs are as<span class=\"_ gs7d\"> </span>follows:<span class=\"_ _3e0\"> </span>For equities, <span class=\"_ _0\"></span>the Group adjusted the price-o<span class=\"_ _0\"></span>ver-book-<span class=\"_ _0\"></span>value multiple by<span class=\"_ _0\"></span> increasing and decreasing <span class=\"_ _0\"></span>the ratio by<span class=\"_ _0\"></span> 10%, which is considered b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to be within a r<span class=\"_ _0\"></span>ange of reasonably<span class=\"_ _0\"></span> possible alternatives based on the price-ov<span class=\"_ _0\"></span>er-book-<span class=\"_ _0\"></span>value multiples used across peers <span class=\"_ _0\"></span>within the same geographic ar<span class=\"_ _0\"></span>ea of the same industry<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Description of signific<span class=\"_ _0\"></span>ant unobservable inputs to valuations of<span class=\"_ _0\"></span> non-financial assets<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show descriptions of<span class=\"_ _0\"></span> significant unobservable inputs to Level 3 <span class=\"_ _0\"></span>valuations of investment pr<span class=\"_ _0\"></span>operties:<span class=\"_ _3e0\"> </span><table class=\"s w132c h17b\" id=\"_291d2320-71ce-43fb-aa4a-55a51070d799\"><tr><td></td><td></td><td></td><td class=\"t m1 x1f0f h77 y4f26 ffb fs1d fc1 sc0 ls0 ws0\">Significant </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f29 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>aluation </td><td class=\"t m1 x1bd5 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">unobservable </td><td></td><td></td><td class=\"t m1 x1f22 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x51b h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">Other ke<span class=\"_ _0\"></span>y </td><td></td><td></td><td class=\"t m1 x620 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"t m1 x4da h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5ce h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">technique<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2a y4f29 w132d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">inputs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2b y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2c y4f29 w132f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f2d h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">average<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2e y4f29 w1330 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">information<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2f y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f30 y4f29 w1de h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f1f h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment  </td><td class=\"t m1 x1f31 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f2b ffb fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f2c w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f32 y4f2c w1331 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Development  </td><td class=\"c n x1f33 y4f2e w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,505<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f34 y4f2e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1d8c y4f2e w818 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f35 y4f2e w1332 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.220<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f36 y4f2e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f37 y4f2e w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f38 y4f2e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f39 y4f2e w955 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3a y4f2e w1334 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,02<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">metres,  </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Agricultural  </td><td class=\"c n x1f3c y4f32 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3d y4f32 wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f32 w1335 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3f y4f32 w1336 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.70<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f40 y4f32 w1337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f41 y4f32 w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f42 y4f32 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f43 y4f32 w1338 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f44 y4f32 w35b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Residential  </td><td class=\"c n x4ff y4f36 wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f45 y4f36 w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f36 w1339 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f46 y4f36 w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f47 y4f36 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f48 y4f36 w133a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f49 y4f36 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4a y4f36 w133b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4b y4f36 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x5d6 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential </td><td class=\"t m1 x1f4c h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f3a ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4f3b w10d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4d y4f3b w14d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mark<span class=\"_ _0\"></span>et</div></td><td class=\"t m1 x1f4e h1b y4f3c ff2 fs8 fc1 sc0 ls0 ws16\">Price of the </td><td class=\"c n x1f4f y4f3b wa2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22.870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f50 y4f3b w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,838.861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f51 y4f3b w133c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,321.0<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f52 y4f3b w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f53 y4f3b wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f54 y4f3b waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f55 y4f3b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,684<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x1f3b h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">approach </td><td class=\"t m1 x2f6 h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1645 h1b y4f3e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1e83 h1b y4f3f ff2 fs8 fc1 sc0 ls0 ws0\">Square </td><td class=\"c n x1f38 y4f40 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f56 y4f40 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f57 y4f40 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">984<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f41 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51b h1b y4f42 ff2 fs8 fc1 sc0 ls0 ws0\">Building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>Price, rate and cost of unobservable inputs in this table ar<span class=\"_ _0\"></span>e presented in Georgian Lari (\u2018<span class=\"_ _0\"></span>GEL<span class=\"_ _0\"></span>\u2019), unless otherwise indicated.<span class=\"_ _3e0\"> </span>Set out below is an ov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>view of all <span class=\"_ _0\"></span>financial instruments other than those <span class=\"_ _0\"></span>for which <span class=\"_ _0\"></span>the carrying amount is a reasonable appro<span class=\"_ _0\"></span>ximation of fair<span class=\"_ _0\"></span> value held by<span class=\"_ _0\"></span> the Group as at 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021:<span class=\"_ _3e0\"> </span><table class=\"s w1105 h17c\" id=\"_8b55b4cc-0588-4a93-bb2a-4c911bd3e470\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f43 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x1f58 y4cd4 w133d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4cd4 w133e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f59 y4cd4 w133f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f44 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cce w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4cce w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4cc4 w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w1341 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5c y4cbf w1093 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5d y4cbf w8c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5e y4ccf w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5f y4ccf w1343 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>424,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f60 y4ccf w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4a9a w1345 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f61 y4f45 w1346 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,825,070<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f62 y4f45 w1347 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,432,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4f45 w1070 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,353<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f46 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b41 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4b41 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x231 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4dc6 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f65 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4c0f w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4b44 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f66 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1349 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _0\"></span> liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4ade w8cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f67 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4adf w134a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f68 y4aa3 w134b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,355,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f69 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w134c h17d\" id=\"_03cb340b-c8b4-49a1-ab16-4df84e1c9251\"><tr><td></td><td></td><td class=\"c n x1f6a y4f47 w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f47 w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x1f6c y4f48 w134f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6d y4f48 w1350 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6e y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6f y4f48 w1351 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f70 y4f48 w1352 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f71 y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f49 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f4a ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f4b wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f4b w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f73 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f74 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f75 y4f4b w38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f76 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f77 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4c w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f78 y4f4c w1354 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f79 y4f4c w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4d w1341 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7b y4f4d wce4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7c y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7d y4f4d we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4e w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7e y4f4e w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7f y4f4e w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f80 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f81 y4f4e w1355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4f w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f83 y4f4f w8a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4f4f w1357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,827<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f50 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f51 w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f84 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f85 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f86 y4f51 w1359 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f87 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f88 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f89 y4f51 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f52 we15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8a y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8c y4f52 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4f52 w135a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f53 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8d y4f53 w135b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,656,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8e y4f53 w135c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _d\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8f y4f53 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f90 y4f53 w135d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,624<span class=\"_ _2\"></span>,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f91 y4f53 w135e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f92 y4f53 w135f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f54 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f55 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4f55 w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f94 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f95 y4f55 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f96 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f97 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e71 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4e71 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f99 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9a y4e71 w1361 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b08 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9b y4b08 w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9c y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9d y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9e y4b08 w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4e72 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9f y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e72 wc96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4b0b w1364 hfa\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x3c6 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa1 y4b0b w1365 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa2 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa3 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa4 y4b0b w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa5 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa6 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa7 y4b0c we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f56 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4adf w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa8 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faa y4adf w1366 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fab y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fac y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fad y4adf w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fae y4aa3 w1367 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,357<span class=\"_ _d\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faf y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb0 y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb1 y4aa3 w1368 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,0<span class=\"_ _2\"></span>19,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb2 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr></table>Fair <span class=\"_ _0\"></span>value of financial instruments <span class=\"_ _0\"></span>that are carried in the financial stat<span class=\"_ _0\"></span>ements not at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>Set out below is a comparison b<span class=\"_ _0\"></span>y class of <span class=\"_ _0\"></span>the carr<span class=\"_ _2\"></span>ying amounts and f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s <span class=\"_ _0\"></span>financial instruments that are c<span class=\"_ _0\"></span>arried in the financial statemen<span class=\"_ _0\"></span>ts. The table does not include <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>values of non-financial assets and non-financial liabilities, <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alues of other smaller<span class=\"_ _0\"></span> financial assets and financial liabilities f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> which are materially<span class=\"_ _0\"></span> close to their carrying values.<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h17e\" id=\"_ab7d4196-804b-4bfc-9d34-fd389125d788\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f57 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x621 h77 y4f58 ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"c n x1fb3 y4d94 w1369 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb4 y4d94 w136a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Fair value</div></td><td class=\"t m1 x4e1 h77 y4f59 ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5a ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc5 w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb5 y4dc5 w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb6 y4dc5 w136b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,7<span class=\"_ _0\"></span>81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb7 y4dc5 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4b41 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb8 y4b41 w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb9 y4b41 w5f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(756,706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5b ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c0f w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4c0f w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fba y4c0f w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbb y4c0f w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4b44 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbc y4b44 w136c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbd y4b44 w411 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbe y4ade w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbf y4ade w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc0 y4ade wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>01<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4adf wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc1 y4adf w136d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc2 y4adf w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w136e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x9c8 y4aa3 w284 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>68,597)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h17f\" id=\"_ec989773-bfed-470a-a8d8-79100cbdf69d\"><tr><td></td><td></td><td class=\"c n x1f6a y4f5c w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f5c w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Carrying  </td><td class=\"t m1 x1fc3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x56a h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td><td></td><td class=\"t m1 x4b3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x621 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"t m1 x1fc4 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x1fc5 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"c n x533 y4f5f w136f h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc6 y4f5f w1369 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x6d0 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x4e1 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f60 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ca y4f55 wf86 hf9\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc7 y4f55 w1370 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc8 y4f55 w130b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc9 y4f55 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fca y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcb y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x34b y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f61 ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f62 wde3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f62 w1353 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcc y4f62 w1371 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcd y4f62 w1372 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fce y4f62 w38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _d\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcf y4f62 w1373 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _5\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd0 y4f62 w1374 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(381,248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f63 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b0a w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4b0a w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd1 y4b0a w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b0a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd2 y4b0a wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd3 y4b0a w1375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd4 y4b0a w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f64 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4f64 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd5 y4f64 w1376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242<span class=\"_ _2\"></span>,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd6 y4f64 w1377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd7 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd8 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4f64 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd9 y4b0c w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fda y4b0c w84f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdb y4b0c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdc y4b0c w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdd y4b0c w1322 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fde y4b0c w1378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,230)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f65 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4f65 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdf y4f65 w1379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4f65 w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe0 y4f65 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe1 y4f65 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe2 y4f65 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f66 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4aa3 w137a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws89\">fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe3 y4aa3 w137b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(530,454)<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe4 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(435,683)<span class=\"_ _3e0\"> </span></div></td></tr></table>The follo<span class=\"_ _0\"></span>wing describes the <span class=\"_ _2\"></span>methodologies and assumptions used to determine fair values f<span class=\"_ _0\"></span>or those financial instruments which are not already<span class=\"_ _0\"></span> recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ _0\"></span> value in the consolidated <span class=\"_ _0\"></span>financial statements.<span class=\"_ _3e0\"> </span>Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alue appro<span class=\"_ _0\"></span>ximates carrying value<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial assets and financial liabilities that ar<span class=\"_ _0\"></span>e liquid or have a short-term maturity (less <span class=\"_ _0\"></span>than three months<span class=\"_ _0\"></span>), it is assumed that the carrying amounts approximat<span class=\"_ _0\"></span>e to their f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. This assumption is also applied to demand deposits, savings ac<span class=\"_ _0\"></span>counts without a specific maturity<span class=\"_ _d\"></span>, and variable rate financial instr<span class=\"_ _0\"></span>uments.<span class=\"_ _3e0\"> </span>Fix<span class=\"_ _0\"></span>ed rate financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>fixed rate <span class=\"_ _0\"></span>financial assets and liabilities carried at amortised cost are estimated b<span class=\"_ _0\"></span>y comparing mark<span class=\"_ _0\"></span>et interest rates <span class=\"_ _0\"></span>when they<span class=\"_ _0\"></span> were firs<span class=\"_ _0\"></span>t recognised with curr<span class=\"_ _0\"></span>ent market r<span class=\"_ _0\"></span>ates off<span class=\"_ _0\"></span>ered f<span class=\"_ _0\"></span>or similar financial instruments. <span class=\"_ _0\"></span>The estimated f<span class=\"_ _0\"></span>air value of fixed inter<span class=\"_ _0\"></span>est-bearing deposits is based on discounted c<span class=\"_ _0\"></span>ash flows using prev<span class=\"_ _0\"></span>ailing money-mark<span class=\"_ _0\"></span>et interest r<span class=\"_ _0\"></span>ates for<span class=\"_ _0\"></span> debts with similar credit risk and maturity<span class=\"_ _d\"></span>. For <span class=\"_ _0\"></span>financial assets and financial liabilities maturing in less than a <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, it is assumed that the carrying amounts appro<span class=\"_ _0\"></span>ximate to their fair<span class=\"_ _0\"></span> value.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-812": {
   "value": "31.  Fair value measur<span class=\"_ _0\"></span>ements<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>the purpose of fair<span class=\"_ _0\"></span> value disclosures, <span class=\"_ _0\"></span>the Group has determined classes of asse<span class=\"_ _0\"></span>ts and liabilities on the basis of the natur<span class=\"_ _0\"></span>e, characteristics and risks of <span class=\"_ _0\"></span>the asset or liability<span class=\"_ _d\"></span>. The f<span class=\"_ _0\"></span>ollowing tables show analysis of<span class=\"_ _0\"></span> assets and liabilities measured at f<span class=\"_ _0\"></span>air value or for<span class=\"_ _0\"></span> which fair<span class=\"_ _0\"></span> values are disclosed b<span class=\"_ _0\"></span>y level o<span class=\"_ _0\"></span>f the f<span class=\"_ _0\"></span>air value hierar<span class=\"_ _0\"></span>chy:<span class=\"_ _3e0\"> </span><table class=\"s w10a1 h176\" id=\"_837b8fb1-81f4-4eff-9419-e6748d91cd74\"><tr><td></td><td class=\"c n x1ca y4ef4 w12e8 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1e93 y4ef4 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4ef4 w9ee hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e95 y4ef4 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef5 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e96 y4ef6 w4e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a38 y4ef6 w64 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e31 w75d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e97 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e98 y4e31 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e99 y4e31 wa27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9a y4e31 w92c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4e32 w12ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9b y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9c y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9d y4e32 w12eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9e y4e32 wc66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x244 y4ef7 w12ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e9f y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13bf y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea0 y4ef7 wacc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea1 y4ef7 w12ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _2\"></span>466<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea2 y4e35 w8cd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,726<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea3 y4e35 w12ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,42<span class=\"_ _2\"></span>4,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea4 y4e35 w546 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea5 y4e35 w12ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,439<span class=\"_ _0\"></span>,451<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea7 y4ef8 w12f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea8 y4ef8 wcd5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _d\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4ef9 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea9 y4e37 w28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aee y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4e37 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaa y4e37 w1235 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eac y4e38 w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x992 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ead y4e38 w12f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eae y4efa w12f5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,781<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x829 y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eaf y4efa w12f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,<span class=\"_ _0\"></span>781<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb1 y4e3a w12f7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb2 y4e3a w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19,4<span class=\"_ _0\"></span>76,<span class=\"_ _0\"></span>015<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efb ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b9e y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x86f y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb3 y4c21 we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efc ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb4 y4bee w12fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20<span class=\"_ _0\"></span>,469,6<span class=\"_ _0\"></span>92<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb5 y4bee w12fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">72<span class=\"_ _2\"></span>,620<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb6 y4bee w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb8 y4bef w12fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,735,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb9 y4bef w12fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,416,<span class=\"_ _0\"></span>771<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eba y4bef w12fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebc y4ac9 w63 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">270,524<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebd y4ac9 w1f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">148,<span class=\"_ _0\"></span>134<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebe y4ac9 w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a39 y4aa3 w712 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec0 y4aa3 w12ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">130,236<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec1 y4aa3 w1300 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1301 h177\" id=\"_d4c815ad-fc59-439f-a327-eb66e793ab75\"><tr><td></td><td class=\"c n x1ca y4efd w1302 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _201\"> </span><span class=\"ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1ec2 y4efd w1303 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec3 y4efd wb18 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">L<span class=\"_ _2\"></span>evel<span class=\"_ _2\"></span> 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec4 y4efd w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4efe ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4eff w12e9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4eff wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec5 y4eff w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec6 y4eff w1304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f00 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef6 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec9 y4ef6 w1305 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,008<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eca y4ef6 w1306 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,<span class=\"_ _0\"></span>008<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f01 ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e31 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecb y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecc y4e31 w1080 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,890<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f02 ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecd y4e32 we0f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44,6<span class=\"_ _2\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ece y4e32 w585 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">44<span class=\"_ _2\"></span>,64<span class=\"_ _2\"></span>8<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef7 w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4ef7 w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,285<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed0 y4ef7 w1307 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,9<span class=\"_ _0\"></span>60,360<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed1 y4ef7 w512 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed2 y4ef7 w1308 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>971,<span class=\"_ _0\"></span>192<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w12f0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed3 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4e35 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed4 y4e35 wb95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,270<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w1309 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed5 y4ef8 w10dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed6 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4ef8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed7 y4ef8 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,660<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f03 ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e37 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed8 y4e37 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e1 y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ed y4e37 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4e37 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e38 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eda y4e38 w2e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa8f y4e38 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edb y4e38 w125b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w12f4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa83 y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edc y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7cf y4efa wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edd y4efa w130b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ede y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1edf y4e3a w130c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f04 ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee0 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4c21 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee1 y4c21 we28 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">59<span class=\"_ _0\"></span>,020<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f05 ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee2 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcac y4bee wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee3 y4bee w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee4 y4bef w130d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,033,727<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee5 y4bef w1117 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,209<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>141<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee6 y4bef w130e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee7 y4ac9 w991 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">490<span class=\"_ _0\"></span>,559<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee8 y4ac9 w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">151,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ee9 y4ac9 w9e4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebf y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eea y4aa3 w5cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eeb y4aa3 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">104<span class=\"_ _2\"></span>,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eec y4aa3 wa03 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w130f h178\" id=\"_9d12edc2-5e2c-4ec2-94c7-4322c3f9f0d6\"><tr><td></td><td class=\"c n x1ca y4f06 w1310 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _1e2\"> </span><span class=\"ls9e wse9\">Leve<span class=\"_ _2\"></span>l 1<span class=\"_ _3e0\"> </span></span></div></td><td class=\"c n x1eed y4f06 w432 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Level<span class=\"_ _2\"></span> 2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x162d y4f06 w1311 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">Leve<span class=\"_ _2\"></span>l 3<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eee y4f06 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f07 ffb fs8 fc1 sc0 ls0 ws0\">Assets measur<span class=\"_ _0\"></span>ed at fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4ef6 w12e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal investmen<span class=\"_ _0\"></span>t properties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x3dc y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4ef6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eef y4ef6 w1312 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef0 y4ef6 w50 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f08 ff2 fs31 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4f09 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef1 y4f09 w1313 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef2 y4f09 w1314 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,7<span class=\"_ _0\"></span>62<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0a ff2 fs31 fc1 sc0 ls0 ws0\">Residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4e32 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef3 y4e32 w1315 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef4 y4e32 w2d5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">152<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>167<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m9 x422 ha0 y4f0b ff2 fs31 fc1 sc0 ls0 ws0\">Non-residential pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></td><td class=\"c n x1ec7 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ec8 y4ef7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef5 y4ef7 w967 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef6 y4ef7 w1316 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">62<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>920<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e35 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ecf y4e35 w71d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef7 y4e35 w1317 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,<span class=\"_ _d\"></span>152<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b60 y4e35 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e39 y4e35 w1318 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,66<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ef8 w12f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 derivative <span class=\"_ _0\"></span>financial assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ea6 y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef8 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4ef8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ef9 y4ef8 w2bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">135,079<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f0c w1309 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets \u2013 inv<span class=\"_ _0\"></span>estment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efa y4f0c w1319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>14<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a15 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x841 y4f0c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efb y4f0c w324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0d ffb fs8 fc1 sc0 ls0 ws48\">Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alues are disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4e38 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efc y4e38 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7e7 y4e38 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a98 y4e38 w2a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4efa w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efd y4efa w131b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>931,390<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x84d y4efa wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1efe y4efa w131c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e3a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1d7 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb0 y4e3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eff y4e3a w131d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,<span class=\"_ _0\"></span>787<span class=\"_ _d\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f00 y4e3a w131e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>725<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0e ffb fs8 fc1 sc0 ls0 ws0\">Liabilities measured at f<span class=\"_ _0\"></span>air value<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c21 w12f9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities \u2013 derivative <span class=\"_ _0\"></span>financial liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x311 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88e y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4c21 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f02 y4c21 w8de hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f0f ffb fs8 fc1 sc0 ls0 ws48\">Liabilities for which f<span class=\"_ _0\"></span>air values ar<span class=\"_ _0\"></span>e disclosed<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4bee w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f03 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x907 y4bee wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f04 y4bee w131f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4bef w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4bef wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f05 y4bef w1320 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,635,353<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f06 y4bef w204 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">683,092<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f07 y4bef w76 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ebb y4ac9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f08 y4ac9 w1321 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,310,806<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f09 y4ac9 w831 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">280,<span class=\"_ _d\"></span>109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0a y4ac9 w1322 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x268 y4aa3 w7e1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0b y4aa3 w842 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,574<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0c y4aa3 w1099 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">90,<span class=\"_ _0\"></span>760<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f0d y4aa3 w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td></tr></table>The f<span class=\"_ _0\"></span>ollowing is a description of the determination of<span class=\"_ _0\"></span> fair <span class=\"_ _0\"></span>value for<span class=\"_ _0\"></span> financial instruments which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair <span class=\"_ _0\"></span>value using valuation techniques. <span class=\"_ _0\"></span>These incorporate <span class=\"_ _0\"></span>the Group\u2019<span class=\"_ _d\"></span>s estimate of assumptions that a mark<span class=\"_ _0\"></span>et participant would make <span class=\"_ _0\"></span>when valuing the instruments.<span class=\"_ _3e0\"> </span>Derivative financial instr<span class=\"_ _0\"></span>uments<span class=\"_ _3e0\"> </span>Derivative financial instrumen<span class=\"_ _0\"></span>ts valued using a valuation t<span class=\"_ _0\"></span>echnique with market observable inputs are mainly<span class=\"_ _0\"></span> inter<span class=\"_ _0\"></span>est rate swaps, currency<span class=\"_ _0\"></span> swaps, forwar<span class=\"_ _0\"></span>d for<span class=\"_ _0\"></span>eign exchange c<span class=\"_ _0\"></span>ontracts and option contr<span class=\"_ _0\"></span>acts. The most f<span class=\"_ _0\"></span>requently<span class=\"_ _0\"></span> applied valuation techniques include f<span class=\"_ _0\"></span>or<span class=\"_ _2\"></span>ward pricing and swap models, using pr<span class=\"_ _0\"></span>esent value calculations, as <span class=\"_ _0\"></span>well as standard option pricing models. <span class=\"_ _0\"></span>The models incorporate <span class=\"_ _0\"></span>various inputs including the credit quality<span class=\"_ _0\"></span> of counterparties, f<span class=\"_ _0\"></span>oreign e<span class=\"_ _0\"></span>xchange spot and f<span class=\"_ _0\"></span>orward rates, inter<span class=\"_ _0\"></span>est rate curves and implied volatilities.<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and inve<span class=\"_ _0\"></span>stment securities<span class=\"_ _3e0\"> </span>T<span class=\"_ _d\"></span>rading securities and a certain part of investment securities ar<span class=\"_ _0\"></span>e quoted equity and debt securities. In<span class=\"_ _0\"></span>vestment securities valued using a valuation technique or<span class=\"_ _0\"></span> pricing models consist of unquoted equity<span class=\"_ _0\"></span> and debt securities. These securities ar<span class=\"_ _0\"></span>e valued using models which sometimes only inc<span class=\"_ _0\"></span>orporate data observable in the mark<span class=\"_ _0\"></span>et and at other times use both observable and non-observable data. The non-observable inputs to the models include assumptions r<span class=\"_ _0\"></span>egarding the f<span class=\"_ _0\"></span>uture financial performanc<span class=\"_ _0\"></span>e of the investee<span class=\"_ _0\"></span>, its risk profile, and economic assumptions r<span class=\"_ _0\"></span>egarding the industry and geogr<span class=\"_ _0\"></span>aphical jurisdiction in which the investee oper<span class=\"_ _0\"></span>ates.<span class=\"_ _3e0\"> </span>Assets and liabilities not measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value but for<span class=\"_ _0\"></span> which fair <span class=\"_ _0\"></span>value is disclosed<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air values in the lev<span class=\"_ _0\"></span>el 2 and level 3 of the <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y are es<span class=\"_ _0\"></span>timated using the discounted cash flo<span class=\"_ _0\"></span>ws valuation technique. Current in<span class=\"_ _0\"></span>terest rat<span class=\"_ _0\"></span>es for ne<span class=\"_ _0\"></span>w instruments with similar cr<span class=\"_ _0\"></span>edit risk, currency and r<span class=\"_ _0\"></span>emaining maturity is used as discount r<span class=\"_ _0\"></span>ate in the valuation model.<span class=\"_ _3e0\"> </span>Fair v<span class=\"_ _0\"></span>alue hierarch<span class=\"_ _0\"></span>y<span class=\"_ _3e0\"> </span>Mov<span class=\"_ _0\"></span>ements in Level 3 financial instrumen<span class=\"_ _0\"></span>ts measured at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show a r<span class=\"_ _0\"></span>econciliation of the opening and closing amounts of<span class=\"_ _0\"></span> Level 3 financial assets which ar<span class=\"_ _0\"></span>e recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ gs7d\"> </span>value:<span class=\"_ _3e0\"> </span><table class=\"s w1323 h179\" id=\"_c4f1c9db-4ff4-417f-91ec-eac430ee8d96\"><tr><td></td><td class=\"t m1 x1f0e h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f0f h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x2fe h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x2f9 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1285 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td><td class=\"t m1 x1f10 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">Purchase of </td><td class=\"t m1 x1f11 h77 y4f10 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m1 x1f12 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2020<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f13 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cd h77 y4f11 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f14 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48e h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1642 h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">securities<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fc h77 y4f11 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f12 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f15 y4aa3 w1325 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,076<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f16 y4aa3 w4bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,613<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f17 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f18 y4aa3 w24e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd6d y4aa3 wbce hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f19 y4aa3 w1326 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,9<span class=\"_ _0\"></span>72<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f1a y4aa3 w1327 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,519<span class=\"_ _3e0\"> </span></div></td></tr></table>Mov<span class=\"_ _0\"></span>ements in Level 3 non-financial assets measur<span class=\"_ _0\"></span>ed at fair <span class=\"_ _0\"></span>value<span class=\"_ _3e0\"> </span>All investment pr<span class=\"_ _0\"></span>operties are Level 3. R<span class=\"_ _0\"></span>econciliations of their opening and closing amoun<span class=\"_ _0\"></span>ts are pro<span class=\"_ _0\"></span>vided in Note 15.<span class=\"_ _3e0\"> </span>Impact on fair <span class=\"_ _0\"></span>value of Lev<span class=\"_ _0\"></span>el 3 financial instruments measured at <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alue of changes to k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> assumptions<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing table shows the impact on the f<span class=\"_ _0\"></span>air value o<span class=\"_ _0\"></span>f Level 3 instruments of<span class=\"_ _0\"></span> using reasonably possible alternativ<span class=\"_ _0\"></span>e assumptions:<span class=\"_ _3e0\"> </span><table class=\"s w1328 h17a\" id=\"_c91f285a-9087-4732-ae02-37200c38af23\"><tr><td></td><td class=\"c n x1e79 y4f13 w3f0 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7a y4f13 w24 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1e7b y4f13 w25 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls9e wse9\">2<span class=\"_ _2\"></span>021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f1b h77 y4f14 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1643 h77 y4f15 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td><td></td><td class=\"t m1 x1f1c h77 y4f16 ffb fs1d fc1 sc0 ls0 ws0\">Effect of </td></tr><tr><td></td><td></td><td class=\"t m1 x1f1d h77 y4f17 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x1f1e h77 y4f18 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td><td></td><td class=\"t m1 x4e1 h77 y4f19 ffb fs1d fc1 sc0 ls0 ws0\">reasonably </td></tr><tr><td></td><td></td><td class=\"t m1 x878 h77 y4f1a ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x50d h77 y4f1b ffb fs1d fc1 sc0 ls0 ws0\">possible </td><td></td><td class=\"t m1 x1f1f h77 y4f1c ffb fs1d fc1 sc0 ls0 ws0\">possible </td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f1d ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1d h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1e7e h77 y4f1e ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x1f1e h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">alternative </td><td class=\"t m1 x1f20 h77 y4f1f ffb fs1d fc1 sc0 ls0 ws0\">Carrying </td><td class=\"t m1 x4e1 h77 y4f20 ffb fs1d fc1 sc0 ls0 ws0\">alternative </td></tr><tr><td></td><td class=\"t m1 x1656 h77 y4f21 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f21 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1f22 h77 y4f22 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48b h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1d40 h77 y4f23 ffb fs1d fc1 sc0 ls0 ws0\">amount<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x48d h77 y4f24 ffb fs1d fc1 sc0 ls0 ws0\">assumptions<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f25 ffb fs8 fc1 sc0 ls0 ws0\">Level 3 financial as<span class=\"_ _0\"></span>sets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4aa3 w1324 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity inv<span class=\"_ _0\"></span>estment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f23 y4aa3 w1329 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _5\"></span>,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f24 y4aa3 w129 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 1120<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f25 y4aa3 w512 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,547<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f26 y4aa3 w132a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f27 y4aa3 w256 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,689<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f28 y4aa3 w132b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">+/- 549<span class=\"_ _3e0\"> </span></div></td></tr></table>In order <span class=\"_ _0\"></span>to determine reasonably<span class=\"_ _0\"></span> possible alternative assumptions, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s adjusted key<span class=\"_ _0\"></span> unobservable model inputs are as<span class=\"_ gs7d\"> </span>follows:<span class=\"_ _3e0\"> </span>For equities, <span class=\"_ _0\"></span>the Group adjusted the price-o<span class=\"_ _0\"></span>ver-book-<span class=\"_ _0\"></span>value multiple by<span class=\"_ _0\"></span> increasing and decreasing <span class=\"_ _0\"></span>the ratio by<span class=\"_ _0\"></span> 10%, which is considered b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup to be within a r<span class=\"_ _0\"></span>ange of reasonably<span class=\"_ _0\"></span> possible alternatives based on the price-ov<span class=\"_ _0\"></span>er-book-<span class=\"_ _0\"></span>value multiples used across peers <span class=\"_ _0\"></span>within the same geographic ar<span class=\"_ _0\"></span>ea of the same industry<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>Description of signific<span class=\"_ _0\"></span>ant unobservable inputs to valuations of<span class=\"_ _0\"></span> non-financial assets<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>ollowing tables show descriptions of<span class=\"_ _0\"></span> significant unobservable inputs to Level 3 <span class=\"_ _0\"></span>valuations of investment pr<span class=\"_ _0\"></span>operties:<span class=\"_ _3e0\"> </span><table class=\"s w132c h17b\" id=\"_291d2320-71ce-43fb-aa4a-55a51070d799\"><tr><td></td><td></td><td></td><td class=\"t m1 x1f0f h77 y4f26 ffb fs1d fc1 sc0 ls0 ws0\">Significant </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x1f29 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>aluation </td><td class=\"t m1 x1bd5 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">unobservable </td><td></td><td></td><td class=\"t m1 x1f22 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td><td class=\"t m1 x51b h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">Other ke<span class=\"_ _0\"></span>y </td><td></td><td></td><td class=\"t m1 x620 h77 y4f27 ffb fs1d fc1 sc0 ls0 ws0\">W<span class=\"_ _0\"></span>eighted </td></tr><tr><td></td><td class=\"t m1 x4da h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5ce h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">technique<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2a y4f29 w132d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">inputs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2b y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2c y4f29 w132f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f2d h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">average<span class=\"_ _3e0\"> </span></td><td class=\"c n x1f2e y4f29 w1330 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">information<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f2f y4f29 w132e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MIN<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f30 y4f29 w1de h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">MAX</div></td><td class=\"t m1 x1f1f h77 y4f28 ffb fs1d fc1 sc0 ls0 ws0\">Av<span class=\"_ _0\"></span>erage<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">Inves<span class=\"_ _0\"></span>tment  </td><td class=\"t m1 x1f31 h1b y4f2a ffb fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f2b ffb fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f2c w75d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f32 y4f2c w1331 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,84<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Development  </td><td class=\"c n x1f33 y4f2e w734 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,505<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f34 y4f2e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f2d ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1d8c y4f2e w818 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.012<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f35 y4f2e w1332 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2.220<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f36 y4f2e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.033<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f37 y4f2e w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f38 y4f2e w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f39 y4f2e w955 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3a y4f2e w1334 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">4<span class=\"_ _2\"></span>,02<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f2f ff2 fs8 fc1 sc0 ls0 ws0\">metres,  </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f30 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Agricultural  </td><td class=\"c n x1f3c y4f32 wbe2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">339<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3d y4f32 wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f31 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f32 w1335 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.001<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f3f y4f32 w1336 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">0.70<span class=\"_ _2\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f40 y4f32 w1337 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">0.337<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f41 y4f32 w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f42 y4f32 w6b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">310<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f43 y4f32 w1338 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">140,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f44 y4f32 w35b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f33 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x513 h1b y4f34 ff2 fs8 fc1 sc0 ls0 ws0\">land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Residential  </td><td class=\"c n x4ff y4f36 wc66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>758<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f45 y4f36 w11e7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Market</div></td><td class=\"t m1 x2f6 h1b y4f35 ff2 fs8 fc1 sc0 ls0 ws0\">Price per </td><td class=\"c n x1f3e y4f36 w1339 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">0.049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f46 y4f36 w52d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5.4<span class=\"_ _2\"></span>66<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f47 y4f36 wfb2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1.004<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f48 y4f36 w133a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f49 y4f36 w62 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4a y4f36 w133b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>170<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4b y4f36 w60 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x422 h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td></td><td class=\"t m1 x1f3b h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">approach<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">square </td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f37 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x12e9 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">metre<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x5d6 h1b y4f38 ff2 fs8 fc1 sc0 ls0 ws0\">building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">Non-residential </td><td class=\"t m1 x1f4c h1b y4f39 ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x422 h1b y4f3a ff2 fs8 fc1 sc0 ls0 ws0\">properties<span class=\"_ _3e0\"> </span></td><td class=\"c n x5bb y4f3b w10d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,466<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f4d y4f3b w14d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Mark<span class=\"_ _0\"></span>et</div></td><td class=\"t m1 x1f4e h1b y4f3c ff2 fs8 fc1 sc0 ls0 ws16\">Price of the </td><td class=\"c n x1f4f y4f3b wa2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22.870<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f50 y4f3b w1208 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,838.861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f51 y4f3b w133c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,321.0<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f52 y4f3b w1333 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Square<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f53 y4f3b wbc0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f54 y4f3b waa8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,884<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f55 y4f3b w5d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,684<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m1 x1f3b h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">approach </td><td class=\"t m1 x2f6 h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">property<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f3d ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1645 h1b y4f3e ff2 fs8 fc1 sc0 ls0 ws0\">Land<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1e83 h1b y4f3f ff2 fs8 fc1 sc0 ls0 ws0\">Square </td><td class=\"c n x1f38 y4f40 w91 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f56 y4f40 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f57 y4f40 w5f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">984<span class=\"_ _3e0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x1f1e h1b y4f41 ff2 fs8 fc1 sc0 ls0 ws0\">metres, </td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x51b h1b y4f42 ff2 fs8 fc1 sc0 ls0 ws0\">Building<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr></table>* <span class=\"_ _299\"> </span>Price, rate and cost of unobservable inputs in this table ar<span class=\"_ _0\"></span>e presented in Georgian Lari (\u2018<span class=\"_ _0\"></span>GEL<span class=\"_ _0\"></span>\u2019), unless otherwise indicated.<span class=\"_ _3e0\"> </span>Set out below is an ov<span class=\"_ _0\"></span>er<span class=\"_ _2\"></span>view of all <span class=\"_ _0\"></span>financial instruments other than those <span class=\"_ _0\"></span>for which <span class=\"_ _0\"></span>the carrying amount is a reasonable appro<span class=\"_ _0\"></span>ximation of fair<span class=\"_ _0\"></span> value held by<span class=\"_ _0\"></span> the Group as at 31 Dec<span class=\"_ _0\"></span>ember 2023, 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021:<span class=\"_ _3e0\"> </span><table class=\"s w1105 h17c\" id=\"_8b55b4cc-0588-4a93-bb2a-4c911bd3e470\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f43 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td class=\"c n x1f58 y4cd4 w133d hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a8 y4cd4 w133e hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f59 y4cd4 w133f hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f44 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cce w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4cce w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x16d8 y4cce wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc4 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4cc4 w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cb y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4cc y4cc4 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w1341 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x810 y4cbf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5c y4cbf w1093 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,880<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5d y4cbf w8c5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">6<span class=\"_ _2\"></span>,9<span class=\"_ _39\"></span>76<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ccf w124a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5e y4ccf w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5f y4ccf w1343 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>424,<span class=\"_ _0\"></span>160<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f60 y4ccf w6ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">435<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9a w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4a9a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4a9a w1345 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>942<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f61 y4f45 w1346 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,825,070<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f62 y4f45 w1347 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,432,040<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfbf y4f45 w1070 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">18,353<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f46 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b41 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4b41 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe7f y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x231 y4b41 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dc6 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4dc6 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x886 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f65 y4dc6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c0f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xefd y4c0f w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x835 y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x121f y4c0f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4b44 wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacc y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f66 y4b44 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w1349 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _0\"></span> liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12e6 y4ade w8cc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">113,6<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f67 y4ade wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w1344 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14cc y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe3b y4adf wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x73f y4adf w134a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f68 y4aa3 w134b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,355,688<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd48 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f69 y4aa3 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">25,779<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w134c h17d\" id=\"_03cb340b-c8b4-49a1-ab16-4df84e1c9251\"><tr><td></td><td></td><td class=\"c n x1f6a y4f47 w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f47 w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c n x1f6c y4f48 w134f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6d y4f48 w1350 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6e y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f6f y4f48 w1351 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">Amortised cost<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f70 y4f48 w1352 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVOCI<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f71 y4f48 w133f h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">FVTPL<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f49 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m1 x1c9 h1b y4f4a ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f4b wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f4b w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f73 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f74 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f75 y4f4b w38 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f76 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f77 y4f4b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4c w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f78 y4f4c w1354 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b5 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9b6 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f79 y4f4c w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x107e y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xad1 y4f4c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4d w1341 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Equity instrumen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7b y4f4d wce4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,893<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7c y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x798 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7d y4f4d we12 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,581<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1508 y4f4d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4e w124a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7e y4f4e w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7f y4f4e w5cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>960,299<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eb7 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f80 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f81 y4f4e w1355 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,586,083<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9e2 y4f4e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f4f w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f83 y4f4f w8a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls7d ws37\">348<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x875 y4f4f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb91 y4f4f w1357 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,827<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f50 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f51 w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f84 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f85 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f86 y4f51 w1359 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">38,922<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f87 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f88 y4f51 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f89 y4f51 w6c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">132,252<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f52 we15 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities at FVTPL<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8a y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8c y4f52 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,660<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x163b y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xafb y4f52 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x60a y4f52 w135a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls82 wsbb\">2<span class=\"_ _39\"></span>,1<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f53 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8d y4f53 w135b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,656,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8e y4f53 w135c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,971,<span class=\"_ _d\"></span>192<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f8f y4f53 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">41,<span class=\"_ _0\"></span>930<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f90 y4f53 w135d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,624<span class=\"_ _2\"></span>,605<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f91 y4f53 w135e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f92 y4f53 w135f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">137<span class=\"_ _d\"></span>,225<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f54 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f55 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4f55 w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f94 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1cb y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f95 y4f55 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f96 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f97 y4f55 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e71 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4e71 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f99 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b79 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9a y4e71 w1361 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4c6 y4e71 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b08 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9b y4b08 w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9c y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9d y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9e y4b08 w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa88 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x398 y4b08 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e72 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4e72 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f9f y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb99 y4e72 wc96 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c0 y4e72 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4b0b w1364 hfa\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>rade and other payables (in other<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x3c6 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">liabilities)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa1 y4b0b w1365 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">68,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa2 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa3 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa4 y4b0b w4b0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa5 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa6 y4b0b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w1356 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t rate contr<span class=\"_ _0\"></span>acts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f82 y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9bd y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x38b y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ad y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7ae y4b0c wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa7 y4b0c we53 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,385<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f56 ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eign currency deriv<span class=\"_ _0\"></span>ative financial </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x28b y4adf w1358 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa8 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fa9 y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faa y4adf w1366 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>20<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fab y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fac y4adf wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fad y4adf w416 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,480<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fae y4aa3 w1367 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,357<span class=\"_ _d\"></span>,209<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1faf y4aa3 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb0 y4aa3 w88b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">5<span class=\"_ _2\"></span>9,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb1 y4aa3 w1368 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20,0<span class=\"_ _2\"></span>19,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce5 y4aa3 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb2 y4aa3 we58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,865<span class=\"_ _3e0\"> </span></div></td></tr></table>Fair <span class=\"_ _0\"></span>value of financial instruments <span class=\"_ _0\"></span>that are carried in the financial stat<span class=\"_ _0\"></span>ements not at fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span>Set out below is a comparison b<span class=\"_ _0\"></span>y class of <span class=\"_ _0\"></span>the carr<span class=\"_ _2\"></span>ying amounts and f<span class=\"_ _0\"></span>air values of <span class=\"_ _0\"></span>the Group<span class=\"_ _0\"></span>\u2019s <span class=\"_ _0\"></span>financial instruments that are c<span class=\"_ _0\"></span>arried in the financial statemen<span class=\"_ _0\"></span>ts. The table does not include <span class=\"_ _0\"></span>the fair <span class=\"_ _0\"></span>values of non-financial assets and non-financial liabilities, <span class=\"_ _0\"></span>fair v<span class=\"_ _0\"></span>alues of other smaller<span class=\"_ _0\"></span> financial assets and financial liabilities f<span class=\"_ _0\"></span>air values of<span class=\"_ _0\"></span> which are materially<span class=\"_ _0\"></span> close to their carrying values.<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h17e\" id=\"_ab7d4196-804b-4bfc-9d34-fd389125d788\"><tr><td></td><td></td><td class=\"t m1 x6cf h77 y4f57 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m1 x621 h77 y4f58 ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"c n x1fb3 y4d94 w1369 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb4 y4d94 w136a hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Fair value</div></td><td class=\"t m1 x4e1 h77 y4f59 ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5a ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4dc5 w12f4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb5 y4dc5 w1342 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _0\"></span>90,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb6 y4dc5 w136b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">692,7<span class=\"_ _0\"></span>81<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb7 y4dc5 w7bb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b41 w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4b41 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb8 y4b41 w12f8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>,47<span class=\"_ _0\"></span>6,015<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fb9 y4b41 w5f6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(756,706<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f5b ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4c0f w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f63 y4c0f w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fba y4c0f w319 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,542,312<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbb y4c0f w799 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(19<span class=\"_ _0\"></span>,573)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f64 y4b44 w1348 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbc y4b44 w136c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>151,<span class=\"_ _0\"></span>992<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbd y4b44 w411 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,017<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ade w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbe y4ade w78 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fbf y4ade w1032 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">418,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc0 y4ade wa79 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>01<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adf w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x126d y4adf wc2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc1 y4adf w136d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">143,445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc2 y4adf w753 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,511)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w136e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised fair<span class=\"_ _0\"></span> value<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x9c8 y4aa3 w284 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _0\"></span>68,597)<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w48e h17f\" id=\"_ec989773-bfed-470a-a8d8-79100cbdf69d\"><tr><td></td><td></td><td class=\"c n x1f6a y4f5c w134d h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f5c w134e h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m1 x1654 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Carrying  </td><td class=\"t m1 x1fc3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x56a h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td><td></td><td class=\"t m1 x4b3 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Fair  </td><td class=\"t m1 x621 h77 y4f5d ffb fs1d fc1 sc0 ls0 ws0\">Unrecognised </td></tr><tr><td></td><td class=\"t m1 x1fc4 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x1fc5 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"c n x533 y4f5f w136f h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc6 y4f5f w1369 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsf5\">Carrying value<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x6d0 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">value </td><td class=\"t m1 x4e1 h77 y4f5e ffb fs1d fc1 sc0 ls0 ws0\">gain/(loss)<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"t m1 x1c9 h1b y4f60 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x1ca y4f55 wf86 hf9\"><div class=\"t m1 x1c5 h1b y4acf ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities measur<span class=\"_ _0\"></span>ed at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">amortised cost \u2013 debt instruments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc7 y4f55 w1370 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,537<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc8 y4f55 w130b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">385,800<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fc9 y4f55 w5ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,263<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fca y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcb y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x34b y4f55 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f61 ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f62 wde3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f72 y4f62 w1353 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcc y4f62 w1371 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,266,826<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcd y4f62 w1372 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(59<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>,880)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fce y4f62 w38 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _d\"></span>973<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fcf y4f62 w1373 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">15,787<span class=\"_ _5\"></span>,725<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd0 y4f62 w1374 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(381,248)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f63 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4b0a w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f93 y4b0a w1360 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd1 y4b0a w304 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,228,352<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b3f y4b0a w783 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,045<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd2 y4b0a wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd3 y4b0a w1375 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,013,500<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd4 y4b0a w6a6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24,502<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f64 w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f98 y4f64 w75 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd5 y4f64 w1376 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,242<span class=\"_ _2\"></span>,868<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd6 y4f64 w1377 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">23,785<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd7 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,<span class=\"_ _2\"></span>445<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd8 y4f64 w76 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf89 y4f64 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b0c w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fd9 y4b0c w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fda y4b0c w84f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>42,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdb y4b0c w826 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,601<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdc y4b0c w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdd y4b0c w1322 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,590,<span class=\"_ _d\"></span>915<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fde y4b0c w1378 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(72,230)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f65 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1590 y4f65 w1363 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114<span class=\"_ _2\"></span>,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fdf y4f65 w1379 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,738<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1060 y4f65 w104 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(3,268)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe0 y4f65 wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe1 y4f65 w84d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">94,369<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe2 y4f65 w774 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,7<span class=\"_ _0\"></span>07)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f66 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal unrecognis<span class=\"_ _0\"></span>ed change in unrealised  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4aa3 w137a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws89\">fair v<span class=\"_ _0\"></span>alue<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe3 y4aa3 w137b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(530,454)<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1fe4 y4aa3 w1114 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(435,683)<span class=\"_ _3e0\"> </span></div></td></tr></table>The follo<span class=\"_ _0\"></span>wing describes the <span class=\"_ _2\"></span>methodologies and assumptions used to determine fair values f<span class=\"_ _0\"></span>or those financial instruments which are not already<span class=\"_ _0\"></span> recor<span class=\"_ _0\"></span>ded at fair<span class=\"_ _0\"></span> value in the consolidated <span class=\"_ _0\"></span>financial statements.<span class=\"_ _3e0\"> </span>Assets f<span class=\"_ _0\"></span>or which fair v<span class=\"_ _0\"></span>alue appro<span class=\"_ _0\"></span>ximates carrying value<span class=\"_ _3e0\"> </span>For <span class=\"_ _0\"></span>financial assets and financial liabilities that ar<span class=\"_ _0\"></span>e liquid or have a short-term maturity (less <span class=\"_ _0\"></span>than three months<span class=\"_ _0\"></span>), it is assumed that the carrying amounts approximat<span class=\"_ _0\"></span>e to their f<span class=\"_ _0\"></span>air value<span class=\"_ _0\"></span>. This assumption is also applied to demand deposits, savings ac<span class=\"_ _0\"></span>counts without a specific maturity<span class=\"_ _d\"></span>, and variable rate financial instr<span class=\"_ _0\"></span>uments.<span class=\"_ _3e0\"> </span>Fix<span class=\"_ _0\"></span>ed rate financial ins<span class=\"_ _0\"></span>truments<span class=\"_ _3e0\"> </span>The f<span class=\"_ _0\"></span>air value of <span class=\"_ _0\"></span>fixed rate <span class=\"_ _0\"></span>financial assets and liabilities carried at amortised cost are estimated b<span class=\"_ _0\"></span>y comparing mark<span class=\"_ _0\"></span>et interest rates <span class=\"_ _0\"></span>when they<span class=\"_ _0\"></span> were firs<span class=\"_ _0\"></span>t recognised with curr<span class=\"_ _0\"></span>ent market r<span class=\"_ _0\"></span>ates off<span class=\"_ _0\"></span>ered f<span class=\"_ _0\"></span>or similar financial instruments. <span class=\"_ _0\"></span>The estimated f<span class=\"_ _0\"></span>air value of fixed inter<span class=\"_ _0\"></span>est-bearing deposits is based on discounted c<span class=\"_ _0\"></span>ash flows using prev<span class=\"_ _0\"></span>ailing money-mark<span class=\"_ _0\"></span>et interest r<span class=\"_ _0\"></span>ates for<span class=\"_ _0\"></span> debts with similar credit risk and maturity<span class=\"_ _d\"></span>. For <span class=\"_ _0\"></span>financial assets and financial liabilities maturing in less than a <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>, it is assumed that the carrying amounts appro<span class=\"_ _0\"></span>ximate to their fair<span class=\"_ _0\"></span> value.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-749": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs755\">32.  Maturity analysis of<span class=\"_ _0\"></span> financial assets and liabilities<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs756\">The table below sho<span class=\"_ _0\"></span>ws an analysis of financial assets and liabilities acc<span class=\"_ _0\"></span>ording to their<span class=\"_ _0\"></span> contractual maturities, e<span class=\"_ _0\"></span>xcept f<span class=\"_ _0\"></span>or curren<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs757\">accounts and cr<span class=\"_ _0\"></span>edit card loans as described below<span class=\"_ _d\"></span>. See Note 30 \u2018Risk management\u2019 for<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s contractual undiscoun<span class=\"_ _0\"></span>ted </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs758\">repayment obligations. </div><div class=\"gs759\"><table class=\"s wf4c h180\" id=\"_6c596914-3322-446c-8cf1-fa2502d9d210\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h77 y4f67 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1fe5 h77 y4f68 ffb fs1d fc1 sc0 ls0 ws0\">On  </td><td class=\"t m1 x4dc h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1e2b h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x6ce h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x16c8 h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x12f1 h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1644 h77 y4f68 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x1fe6 h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x728 h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6ce h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ec h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x727 h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x1fe7 y4f6a w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe8 y4f6a w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f6b ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f6c w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe9 y4f6c w137c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,417<span class=\"_ _d\"></span>,513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fea y4f6c wa61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">684,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1feb y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fec y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fed y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fee y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fef y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff0 y4f6c w137d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f6d ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f6e w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff1 y4f6e w137e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff2 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff3 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff4 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff5 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff6 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff7 y4f6e w912 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff8 y4f6e w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff9 y4f6f w137f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _0\"></span>99,313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffa y4f6f w1380 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,6<span class=\"_ _2\"></span>61<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffb y4f6f w1381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">462,614<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffc y4f6f w1382 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffd y4f6f w10b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffe y4f6f w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fff y4f6f w1383 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">2,452<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2000 y4f6f w1384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>129<span class=\"_ _0\"></span>,757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f70 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2001 y4b35 w1062 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>190<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2002 y4b35 w1385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">2<span class=\"_ _39\"></span>,870<span class=\"_ _2\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2003 y4b35 w1386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,353,016<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2004 y4b35 w1387 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,708<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2005 y4b35 w276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,372,<span class=\"_ _d\"></span>193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2006 y4b35 w1388 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,96<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2007 y4b35 w1389 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>915,919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2008 y4b35 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2009 y4ac1 w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200a y4ac1 w138a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200b y4ac1 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200c y4ac1 w138b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200d y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200e y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200f y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aca y4ac1 w138c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2010 y4ac2 w138d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,653,460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2011 y4ac2 w138e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,262<span class=\"_ _2\"></span>,420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2012 y4ac2 wd9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,815,814<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2013 y4ac2 w138f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,982,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2014 y4ac2 w5e8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,614,972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2e y4ac2 w1390 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>997<span class=\"_ _d\"></span>,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2015 y4ac2 w1096 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>937<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2016 y4ac2 w1391 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,26<span class=\"_ _2\"></span>4,521<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f71 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cb6 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2017 y4cb6 w5cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,306,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2018 y4cb6 w1392 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4,4<span class=\"_ _2\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2019 y4cb6 w1276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,509<span class=\"_ _0\"></span>,643<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201a y4cb6 w4e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,895,604<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201b y4cb6 w1393 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,075,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201c y4cb6 w1394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">517<span class=\"_ _d\"></span>,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201d y4cb6 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201e y4cb6 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201f y4a9e w1066 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>76,646<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2020 y4a9e wa70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,297<span class=\"_ _d\"></span>,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189b y4a9e wf18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2021 y4a9e w168 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">424,<span class=\"_ _2\"></span>409<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2022 y4a9e w1a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">810,610<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2023 y4a9e w3b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">554,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2024 y4a9e w1395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">504<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2025 y4a9e w1396 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2026 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2027 y4a9f w129a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2028 y4a9f w1397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,<span class=\"_ _d\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2029 y4a9f w1398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202a y4a9f w1399 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202b y4a9f wc29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202c y4a9f w139a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _d\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202d y4a9f wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202e y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202f y4b3a w139b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2030 y4b3a we4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2031 y4b3a w139c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2032 y4b3a we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2033 y4b3a w113b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2034 y4b3a we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb8 y4b3a w139d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2035 y4b3b w139e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,783,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2036 y4b3b w1bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,471,<span class=\"_ _0\"></span>176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2037 y4b3b w234 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,631,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2038 y4b3b w139f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9,350,<span class=\"_ _d\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2039 y4b3b w10a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,235,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203a y4b3b w13a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>108,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203b y4b3b w129 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">662,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203c y4b3b w13a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,2<span class=\"_ _2\"></span>42,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203d y4b3c w13a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(130,<span class=\"_ _d\"></span>111)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203e y4b3c w13a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">791,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203f y4b3c wa61 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">184,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2040 y4b3c w13a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,367<span class=\"_ _d\"></span>,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2041 y4b3c w13a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,379<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe83 y4b3c w13a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,889<span class=\"_ _0\"></span>,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2042 y4b3c w13a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,274,621<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2043 y4b3c w13a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,4<span class=\"_ _2\"></span>80<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2044 y4aa3 w1ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>111)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2045 y4aa3 w13ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">661,<span class=\"_ _0\"></span>133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2046 y4aa3 w13ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">845,345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2047 y4aa3 w13ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,521,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2048 y4aa3 w13ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>141,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd3 y4aa3 w7b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(252<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2049 y4aa3 w13af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,480<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table></div><div class=\"gs75a\"><table class=\"s w13b0 h181\" id=\"_d580a1d1-281d-470f-a5e5-5bde3bde861a\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h77 y4f72 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x204a h77 y4f73 ffb fs1d fc1 sc0 ls0 ws0\">On </td><td class=\"t m1 x204b h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1f1b h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x516 h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1e6a h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x204c h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x204d h77 y4f73 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x204e h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e7d h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x204f h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x516 h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fa h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cf h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x2050 y4f75 w1292 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2051 y4f75 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f76 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f77 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2052 y4f77 w13b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,853,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2053 y4f77 w13b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">730,<span class=\"_ _0\"></span>905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2054 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2055 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2056 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2057 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2058 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4f77 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f78 w13b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _73\"> </span>2,396,57<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1566 y4f78 w66f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2059 y4f78 w13b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205a y4f78 w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205b y4f78 w13b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205c y4f78 w52c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,291<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205d y4f78 w7b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205e y4f78 w13b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205f y4f6f w20c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">953,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2060 y4f6f w13b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,315,414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2061 y4f6f w13b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">536,088<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2062 y4f6f w9a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">217<span class=\"_ _d\"></span>,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2063 y4f6f w13b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">142<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f0 y4f6f w13ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2064 y4f6f w13bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2065 y4f6f wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f79 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2001 y4b35 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2066 y4b35 w13bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,087<span class=\"_ _5\"></span>,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2067 y4b35 w13bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,238,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2068 y4b35 w996 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>103,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2069 y4b35 w13be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,575,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206a y4b35 w13bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,420,<span class=\"_ _d\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206b y4b35 w13c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>430,<span class=\"_ _d\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206c y4b35 w37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206d y4ac1 w13c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>57<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206e y4ac1 w13c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">375,<span class=\"_ _0\"></span>736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206f y4ac1 w7e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2070 y4ac1 w95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2071 y4ac1 w862 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2072 y4ac1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2073 y4ac1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c5 y4ac1 w7f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>90<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2074 y4ac2 w13c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,210,<span class=\"_ _0\"></span>130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2075 y4ac2 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,510,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2076 y4ac2 w13c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,777<span class=\"_ _d\"></span>,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2077 y4ac2 w13c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,326,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2078 y4ac2 w13c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,745,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2079 y4ac2 w13c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,604<span class=\"_ _2\"></span>,7<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207a y4ac2 w13c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,452,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207b y4ac2 w1296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,627<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f7a ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207c y4a9d w13c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,406,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207d y4a9d w6dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,812,580<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207e y4a9d w13ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,298,<span class=\"_ _0\"></span>966<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207f y4a9d wa36 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>963,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2080 y4a9d w13cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,229<span class=\"_ _0\"></span>,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2081 y4a9d w918 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">283,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2082 y4a9d w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,552<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2083 y4a9d w13cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2084 y4a9e w13cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">701,20<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ec y4a9e w13ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,599,<span class=\"_ _d\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2085 y4a9e w1098 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2086 y4a9e w13cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">396,<span class=\"_ _0\"></span>759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2087 y4a9e w13d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">6<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2088 y4a9e w3ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">363,79<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2089 y4a9e w13d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _d\"></span>,827<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208a y4a9e w125e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,26<span class=\"_ _2\"></span>6,653<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208b y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208c y4a9f w13d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,816<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208d y4a9f w13d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208e y4a9f w68e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208f y4a9f w745 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109,683<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2090 y4a9f w49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">195,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2091 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2092 y4a9f w1098 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2093 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2094 y4c96 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,899<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2095 y4c96 w13d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,1<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2096 y4c96 w13d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2097 y4c96 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2098 y4c96 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2099 y4c96 w26b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,677<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x882 y4c96 w13d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209a y4b3b w13d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>107<span class=\"_ _d\"></span>,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209b y4b3b w88e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,426,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209c y4b3b w13d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,525,794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209d y4b3b w13d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,655,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209e y4b3b w13da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,063,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f8 y4b3b w9cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">870,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209f y4b3b wd4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">639<span class=\"_ _0\"></span>,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a0 y4b3b w13db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,288,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a1 y4b3c w472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a2 y4b3c w13dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">84<span class=\"_ _2\"></span>,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a3 y4b3c w1a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">251,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a4 y4b3c w13dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,329<span class=\"_ _0\"></span>,650)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a5 y4b3c w13de hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,682<span class=\"_ _2\"></span>,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a6 y4b3c w13df hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,734,462<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f6 y4b3c w1d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,813,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a7 y4b3c w13e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,338,808<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a8 y4aa3 w472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a9 y4aa3 w13e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">186,350<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20aa y4aa3 w4db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ab y4aa3 w13e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(4,891,788)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ac y4aa3 w13e3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,209<span class=\"_ _0\"></span>,256)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ad y4aa3 w13e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">(<span class=\"_ _0\"></span>474,7<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ae y4aa3 w13e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,338,808<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table></div><div class=\"gs94\"><table class=\"s w13e5 h181\" id=\"_fc345d99-f476-47a7-ac40-6f23bfc99e8c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x20af h77 y4f7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x204a h77 y4f7c ffb fs1d fc1 sc0 ls0 ws0\">On </td><td class=\"t m1 x204b h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1f1b h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x2f9 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x16c8 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x20b0 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1644 h77 y4f7c ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x204e h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e7d h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x204f h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5dd h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ec h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f1 h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x1fe7 y4f7e w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe8 y4f7e w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f7f ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f77 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe9 y4f77 w5c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,291,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b1 y4f77 wcde hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,672<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b2 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b3 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b4 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b5 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b6 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b7 y4f77 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6e w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b8 y4f6e w13e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,893,732<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b9 y4f6e w13e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ba y4f6e w13e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bb y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bc y4f6e w15d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bd y4f6e wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199d y4f6e w752 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20be y4f6e w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bf y4f6f w13e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>162<span class=\"_ _2\"></span>,051<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c0 y4f6f w13ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,282<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c1 y4f6f w13eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4f6f we31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,4<span class=\"_ _2\"></span>86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c2 y4f6f wb92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c3 y4f6f w13ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">8<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c4 y4f6f w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,64<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c5 y4f6f w12be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f80 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c6 y4b35 w94b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c7 y4b35 w13ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,046,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c8 y4b35 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">926,06<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c9 y4b35 w13ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>97<span class=\"_ _0\"></span>6,611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ca y4b35 w13ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,005,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cb y4b35 w13f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,281,<span class=\"_ _0\"></span>105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cc y4b35 w13f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>929<span class=\"_ _0\"></span>,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cd y4b35 w5bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,9<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ce y4ac1 w13f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls68 ws9d\">261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cf y4ac1 w13f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,608<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d0 y4ac1 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d1 y4ac1 w10b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d2 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d3 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d4 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d5 y4ac1 w3d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f81 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d6 y4f81 w13f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,350,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d7 y4f81 w13f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,567<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d8 y4f81 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>41,292<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d9 y4f81 w13f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,990,899<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20da y4f81 w13f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,055,371<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20db y4f81 w604 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,373,421<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20dc y4f81 w13f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>941,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20dd y4f81 w13f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,220,269<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f82 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cb6 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20de y4cb6 w13fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,455,<span class=\"_ _0\"></span>123<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20df y4cb6 w127 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,783,<span class=\"_ _d\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e0 y4cb6 w13fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e1 y4cb6 w13fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,048,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e2 y4cb6 w13fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e3 y4cb6 we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">454,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e4 y4cb6 w13fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,377<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e5 y4cb6 w13ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e6 y4a9e w10e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">170,4<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e7 y4a9e w1400 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,638,683<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e8 y4a9e w1401 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">221,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e9 y4a9e w1402 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">355,637<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ea y4a9e w1403 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">996,<span class=\"_ _d\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20eb y4a9e w1404 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">526,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ec y4a9e w1405 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">409,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ed y4a9e w1361 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208b y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ee y4a9f w1406 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ef y4a9f w1407 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f0 y4a9f w1408 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">233,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f1 y4a9f w1409 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,008,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f2 y4a9f w140a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">222,878<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f3 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f4 y4a9f w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2093 y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f5 y4b3a w140b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f6 y4b3a w716 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,7<span class=\"_ _0\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f7 y4b3a w140c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,355<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f8 y4b3a w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f9 y4b3a w140d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fa y4b3a w140e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,281<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fb y4b3a wc96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fc y4b3b w140f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,625,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fd y4b3b w2ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,466,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fe y4b3b w1410 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,421,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ff y4b3b w1411 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,647<span class=\"_ _d\"></span>,889<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2100 y4b3b w1412 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,892<span class=\"_ _2\"></span>,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2101 y4b3b w1400 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,226,687<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2102 y4b3b w7ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">682,707<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2103 y4b3b w1413 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>9,9<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,7<span class=\"_ _39\"></span>94<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2104 y4b3c w331 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,725,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2105 y4b3c w230 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,7<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2106 y4b3c w1414 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(479<span class=\"_ _d\"></span>,798)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2107 y4b3c w1415 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,656,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2108 y4b3c w1416 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>162<span class=\"_ _2\"></span>,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2109 y4b3c w1417 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>146,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210a y4b3c w1418 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,258,516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210b y4b3c w1419 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210c y4aa3 w331 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,725,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210d y4aa3 w141a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,826,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210e y4aa3 w141b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,3<span class=\"_ _2\"></span>46,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210f y4aa3 w141c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,310,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2110 y4aa3 w141d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>147<span class=\"_ _d\"></span>,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2111 y4aa3 w141e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,001,041)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x938 y4aa3 w1419 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,475<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs75c\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s capability to dischar<span class=\"_ _0\"></span>ge its liabilities relies on its ability<span class=\"_ _0\"></span> to realise equivalen<span class=\"_ _0\"></span>t assets within the same period of time<span class=\"_ _0\"></span>. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs75d\">In the Georgian mark<span class=\"_ _0\"></span>etplace, wher<span class=\"_ _0\"></span>e most of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s business is concentrated, man<span class=\"_ _0\"></span>y short-term cr<span class=\"_ _0\"></span>edits are gran<span class=\"_ _0\"></span>ted with </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs75e\">the expectation of r<span class=\"_ _0\"></span>enewing the loans at maturity<span class=\"_ _d\"></span>. As such, the ultimate maturity o<span class=\"_ _0\"></span>f assets may be dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>t from <span class=\"_ _0\"></span>the analysis </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs75f\">presented abo<span class=\"_ _0\"></span>ve. T<span class=\"_ _5\"></span>o reflect the historical stability<span class=\"_ _0\"></span> of current ac<span class=\"_ _0\"></span>counts, the Group c<span class=\"_ _0\"></span>alculates the minimal daily balance o<span class=\"_ _0\"></span>f current </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs760\">accounts ov<span class=\"_ _0\"></span>er the past two <span class=\"_ _0\"></span>years and includes the amount in <span class=\"_ _0\"></span>the \u2018Up to 1 year\u2019 category in the <span class=\"_ _0\"></span>table above. <span class=\"_ _0\"></span>The remaining curren<span class=\"_ _0\"></span>t </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs761\">accounts ar<span class=\"_ _0\"></span>e included in the \u2018On demand\u2019 category<span class=\"_ _d\"></span>. T<span class=\"_ _d\"></span>o match the cov<span class=\"_ _0\"></span>erage of short-term borr<span class=\"_ _0\"></span>owings fr<span class=\"_ _0\"></span>om the NBG with the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs762\">investment securities pledged <span class=\"_ _0\"></span>to secure it, those securities are included in the \u2018<span class=\"_ _0\"></span>On demand\u2019 category<span class=\"_ _0\"></span>. Considering credit c<span class=\"_ _0\"></span>ards have </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs763\">no contr<span class=\"_ _0\"></span>actual maturities, the above allocation per c<span class=\"_ _0\"></span>ategor<span class=\"_ _2\"></span>y is done based on the statistic<span class=\"_ _0\"></span>al coverage r<span class=\"_ _0\"></span>ates observed.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs764\">The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s principal sources of<span class=\"_ _0\"></span> liquidity are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs765\">\u2022 <span class=\"_ _59\"> </span>deposits; </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs766\">\u2022 <span class=\"_ _59\"> </span>borrowings f<span class=\"_ _0\"></span>rom international cr<span class=\"_ _0\"></span>edit institutions; </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs767\">\u2022 <span class=\"_ _59\"> </span>inter-bank deposit agr<span class=\"_ _0\"></span>eements;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs768\">\u2022 <span class=\"_ _59\"> </span>debt issues;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs769\">\u2022 <span class=\"_ _59\"> </span>proceeds f<span class=\"_ _0\"></span>rom sale of securities;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76a\">\u2022 <span class=\"_ _59\"> </span>principal repayments on loans;<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76b\">\u2022 <span class=\"_ _59\"> </span>interest income; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76c\">\u2022 <span class=\"_ _59\"> </span>fees and commissions income<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76d\">As at 31 December 2023, client depo<span class=\"_ _0\"></span>sits and notes amounted to GEL<span class=\"_ _0\"></span> 20,522,739 (2022: GEL<span class=\"_ _0\"></span> 18,261,397<span class=\"_ _5\"></span>, 2021: GEL 14,038,<span class=\"_ _0\"></span>002) and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76e\">repr<span class=\"_ _0\"></span>esented 77% (2022: 7<span class=\"_ _0\"></span>4%, 2021: 69%) of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s total liabilities. These f<span class=\"_ _0\"></span>unds continue to pr<span class=\"_ _0\"></span>ovide a majority of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs76f\">funding and repr<span class=\"_ _0\"></span>esent a diversified and stable sour<span class=\"_ _0\"></span>ce of f<span class=\"_ _0\"></span>unds. As at 31 December 2023, amounts o<span class=\"_ _0\"></span>wed to credit institutions </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs770\">amounted to GEL<span class=\"_ _0\"></span> 5,<span class=\"_ _d\"></span>156,009 2023 (2022: GEL 5,266,653, 20<span class=\"_ _0\"></span>21: GEL 4,318,4<span class=\"_ _2\"></span>45) and repr<span class=\"_ _0\"></span>esented 19% (2022: 21%, 2021: 21%) of t<span class=\"_ _0\"></span>otal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs771\">liabilities. As at 31 December<span class=\"_ _0\"></span> 2023, debt securities issued amounted to GEL<span class=\"_ _0\"></span> 421,359 (2022: GEL<span class=\"_ _0\"></span> 6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968, 2021: GEL<span class=\"_ _0\"></span> 1,518,685) and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs772\">repr<span class=\"_ _0\"></span>esented 2% (2022: 3%, 2021: 7%) of <span class=\"_ _0\"></span>total liabilities.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs3ae\">In the Board\u2019<span class=\"_ _d\"></span>s opinion, liquidity is sufficient <span class=\"_ _0\"></span>to meet the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s present r<span class=\"_ _0\"></span>equirements.<span class=\"_ _3e0\"> </span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs774\">The table below sho<span class=\"_ _0\"></span>ws an analysis of assets and liabilities accor<span class=\"_ _0\"></span>ding to when the<span class=\"_ _0\"></span>y ar<span class=\"_ _0\"></span>e expected to be rec<span class=\"_ _0\"></span>overed or<span class=\"_ _0\"></span> settled, ex<span class=\"_ _0\"></span>cept </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs775\">for<span class=\"_ _0\"></span> current accoun<span class=\"_ _0\"></span>ts which are included in the \u2018Up t<span class=\"_ _0\"></span>o 1 year\u2019 category in the table abo<span class=\"_ _0\"></span>ve, noting that r<span class=\"_ _0\"></span>espective contractual maturity </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs776\">may e<span class=\"_ _0\"></span>xpand over significan<span class=\"_ _0\"></span>tly longer periods: </div><div class=\"gs777\"><table class=\"s w12a5 h182\" id=\"_11aad869-da08-4392-a740-8299df56279d\"><tr><td></td><td class=\"t m1 x6cf h77 y4f83 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2112 h77 y4f84 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x12ed h77 y4f84 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x4ec h77 y4f85 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4f86 w953 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2113 y4f86 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f87 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2114 y4f87 w137d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4f87 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3c y4f87 w28 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f88 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2115 y4f88 w141f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2116 y4f88 w1420 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2117 y4f88 w224 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f89 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2118 y4f89 w1232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,851,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2119 y4f89 w10fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">278,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3d y4f89 w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>129,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211a y4f8a w1421 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>979<span class=\"_ _0\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211b y4f8a w1422 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,253,<span class=\"_ _d\"></span>10<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211c y4f8a w1423 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8b w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4f8b w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4f8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4f8b w698 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8c w3e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211d y4f8c w11fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211e y4f8c w5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,878<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211f y4f8c w44a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8d w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4f8d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2120 y4f8d w44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2121 y4f8d w44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8e w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab2 y4f8e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2122 y4f8e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2123 y4f8e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8f w4c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f8f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2124 y4f8f w893 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2125 y4f8f w64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f90 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a1 y4f90 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2126 y4f90 w53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">436,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4f90 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">436,955<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f91 w56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4f91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2127 y4f91 w40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2128 y4f91 w40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d5e w58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4d5e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2129 y4d5e w59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e25 y4d5e w1424 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e02 w5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212a y4e02 w5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4e02 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212b y4e02 w1425 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,520<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f92 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1773 y4f92 wd6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">238,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212c y4f92 w12d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212d y4f92 w63 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202 y4de9 w67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4de9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1121 y4de9 w67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7a w6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205 y4c7a wecd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,013,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212e y4c7a w1426 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,743,85<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212f y4c7a wb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,757<span class=\"_ _d\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2130 y4f45 w1427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,876,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2131 y4f45 w13f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,646,<span class=\"_ _d\"></span>105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2132 y4f45 w1244 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,<span class=\"_ _0\"></span>739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a w72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186f y4d0a w1428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,286,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2133 y4d0a w10e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,869<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>01<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2134 y4d0a w1348 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f93 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2135 y4f93 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2136 y4f93 w1429 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">382,<span class=\"_ _2\"></span>430<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe67 y4f93 wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2137 y4d20 w12ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">34,6<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2138 y4d20 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4d20 w142a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\"><span class=\"ffb\">1</span>41,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb34 y4dd7 w142b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">90<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2139 y4dd7 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213a y4dd7 w142c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _0\"></span>,355<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213b y4ca8 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213c y4ca8 w142d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">13,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213d y4ca8 w939 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">199,<span class=\"_ _0\"></span>058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7 y4aa1 w59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4aa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213e y4aa1 w89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _5\"></span>,268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w8c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213f y4b3c w142e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,679<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2140 y4b3c w8e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,057<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2141 y4b3c w142f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,737<span class=\"_ _5\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2142 y4aa3 w1430 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,666,276)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2143 y4aa3 w1431 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,686,<span class=\"_ _0\"></span>112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2144 y4aa3 w1f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,019<span class=\"_ _0\"></span>,836<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"gs778\"><table class=\"s w1432 h183\" id=\"_829202a9-63ed-4586-b4f3-a9f13a892635\"><tr><td></td><td class=\"c n x1f6a y4f94 w134d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f94 w134e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1f13 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x1e82 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td><td class=\"t m1 x2112 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x12ed h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x4dc h77 y4f96 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4f97 w953 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2145 y4f97 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x4ec h77 y4f96 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4f97 w953 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2113 y4f97 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f98 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2146 y4f98 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2147 y4f98 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2148 y4f98 w1433 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2149 y4f98 w2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4f98 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214a y4f98 w1434 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520<span class=\"_ _0\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f99 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214b y4f99 w1435 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,402,4<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214c y4f99 w194 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,579<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2148 y4f99 w1436 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214d y4f99 w1437 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>909<span class=\"_ _0\"></span>,479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214e y4f99 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,<span class=\"_ _d\"></span>911<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214f y4f99 w1111 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9a w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2150 y4f9a wb49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2151 y4f9a w1438 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">326,<span class=\"_ _0\"></span>914<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2152 y4f9a w12bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2153 y4f9a w1439 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2154 y4f9a waeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2155 y4f9a w12be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f9b ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f9c wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2156 y4f9c w901 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,434<span class=\"_ _2\"></span>,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2157 y4f9c w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,426,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2158 y4f9c w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2159 y4f9c w143a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,952,0<span class=\"_ _0\"></span>25<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215a y4f9c wb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,216,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215b y4f9c w1266 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9d w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215c y4f9d w9d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">379<span class=\"_ _0\"></span>,34<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215d y4f9d wbfe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215e y4f9d w143b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215f y4f9d w3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4f9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2160 y4f9d w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9e w3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2161 y4f9e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2162 y4f9e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88d y4f9e w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbae y4f9e w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2163 y4f9e w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2164 y4f9e w119 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,878<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9f w3a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2165 y4f9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2166 y4f9f w3b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _d\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2167 y4f9f wa98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2168 y4f9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2169 y4f9f w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216a y4f9f w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa0 w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216b y4fa0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216c y4fa0 wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4fa0 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4fa0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14da y4fa0 w143c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>186<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4fa0 w4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa1 w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4fa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a7 y4fa1 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216d y4fa1 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4fa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216e y4fa1 w50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216f y4fa1 w50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa2 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2170 y4fa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2171 y4fa2 w54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2172 y4fa2 w143d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ada y4fa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2173 y4fa2 w55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2174 y4fa2 w143e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,808<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa3 w56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2175 y4fa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2176 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2177 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4fa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2178 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2179 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa4 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217a y4fa4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217b y4fa4 w143f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217c y4fa4 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217d y4fa4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217e y4fa4 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">144<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217f y4fa4 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">144<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa5 w5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2180 y4fa5 wfa9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2181 y4fa5 wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2182 y4fa5 w1440 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2183 y4fa5 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2184 y4fa5 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2185 y4fa5 wfb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa6 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2186 y4fa6 w1441 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">206,<span class=\"_ _d\"></span>176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2187 y4fa6 w1442 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,882<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2188 y4fa6 w64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2189 y4fa6 wa0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>6,563<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218a y4fa6 w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,682<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218b y4fa6 w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa7 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218c y4fa7 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218d y4fa7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea0 y4fa7 w1443 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4fa7 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4fa7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfee y4fa7 w1444 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,731<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa8 w6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218e y4fa8 w1445 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,100<span class=\"_ _0\"></span>,222<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218f y4fa8 w1446 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,801,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2190 y4fa8 w1447 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2191 y4fa8 w1448 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>182,933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2192 y4fa8 w1449 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,247<span class=\"_ _d\"></span>,143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2193 y4fa8 w1270 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _2\"></span>430,07<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa9 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2194 y4fa9 w144a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,481,7<span class=\"_ _0\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2195 y4fa9 w144b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,779<span class=\"_ _d\"></span>,6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2196 y4fa9 w1273 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,39<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2197 y4fa9 w144c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,4<span class=\"_ _2\"></span>65,<span class=\"_ _d\"></span>125<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2198 y4fa9 w144d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,572,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2199 y4fa9 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4faa w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219a y4faa w1d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,865,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219b y4faa w1343 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,401,025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219c y4faa w144e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219d y4faa w144f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219e y4faa w1450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>932<span class=\"_ _2\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219f y4faa w127b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fab w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a0 y4fab w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340,442<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a1 y4fab w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">305,526<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a2 y4fab w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a3 y4fab w1451 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">287<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a4 y4fab w1452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,230,<span class=\"_ _d\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a5 y4fab w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fac w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a6 y4fac wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a7 y4fac w1453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,264<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a8 y4fac wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a9 y4fac w1454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b12 y4fac w754 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21aa y4fac wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fad w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4fad w1455 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,6<span class=\"_ _2\"></span>60<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ab y4fad wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ac y4fad wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda8 y4fad w10d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,34<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ad y4fad w1456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4fad w82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>157<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fae w83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ae y4fae w1457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21af y4fae we27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4fae w1458 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b0 y4fae wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b1 y4fae w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x22b y4fae w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4faf w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b2 y4faf w1459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">157<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b3 y4faf w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">743<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4faf w8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b4 y4faf w4dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182,07<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b5 y4faf w145a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b6 y4faf w12c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w8c h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b7 y4aa2 w145b h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>967<span class=\"_ _5\"></span>,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b8 y4aa2 w145c h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">3,685,<span class=\"_ _0\"></span>188<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b9 y4aa2 w8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4aa2 w145d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,481,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ba y4aa2 w145e h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,855,576<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bb y4aa2 w145f h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20,337<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13a2 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bc y4aa3 w1460 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(4,867<span class=\"_ _d\"></span>,668)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bd y4aa3 w1461 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>116,490<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21be y4aa3 w1462 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>8,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bf y4aa3 w1463 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(3,298,659)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c0 y4aa3 w1464 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">6,39<span class=\"_ _2\"></span>1,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c1 y4aa3 w1290 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">3,092,<span class=\"_ _0\"></span>908</div></td></tr></table></div>",
   "dimensions": {
    "concept": "bogg:DisclosureOfMaturityAnalysisOfFinancialAssetsAndLiabilities",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-796": {
   "value": "32.  Maturity analysis of<span class=\"_ _0\"></span> financial assets and liabilities<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws an analysis of financial assets and liabilities acc<span class=\"_ _0\"></span>ording to their<span class=\"_ _0\"></span> contractual maturities, e<span class=\"_ _0\"></span>xcept f<span class=\"_ _0\"></span>or curren<span class=\"_ _0\"></span>t accounts and cr<span class=\"_ _0\"></span>edit card loans as described below<span class=\"_ _d\"></span>. See Note 30 \u2018Risk management\u2019 for<span class=\"_ _0\"></span> the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s contractual undiscoun<span class=\"_ _0\"></span>ted repayment obligations. <table class=\"s wf4c h180\" id=\"_6c596914-3322-446c-8cf1-fa2502d9d210\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x56a h77 y4f67 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1fe5 h77 y4f68 ffb fs1d fc1 sc0 ls0 ws0\">On  </td><td class=\"t m1 x4dc h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1e2b h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x6ce h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x16c8 h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x12f1 h77 y4f68 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1644 h77 y4f68 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x1fe6 h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ee h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x728 h77 y4f69 ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6ce h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ec h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x727 h77 y4f69 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x1fe7 y4f6a w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe8 y4f6a w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f6b ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f6c w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe9 y4f6c w137c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,417<span class=\"_ _d\"></span>,513<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fea y4f6c wa61 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">684,311<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1feb y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fec y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fed y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fee y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fef y4f6c wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff0 y4f6c w137d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f6d ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f6e w1257 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff1 y4f6e w137e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff2 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff3 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff4 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff5 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff6 y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff7 y4f6e w912 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff8 y4f6e w12f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ff9 y4f6f w137f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,4<span class=\"_ _0\"></span>99,313<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffa y4f6f w1380 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _39\"></span>,6<span class=\"_ _2\"></span>61<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffb y4f6f w1381 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">462,614<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffc y4f6f w1382 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,000<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffd y4f6f w10b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">242,779<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ffe y4f6f w1133 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32<span class=\"_ _2\"></span>,823<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fff y4f6f w1383 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsc ws19\">2,452<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2000 y4f6f w1384 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>129<span class=\"_ _0\"></span>,757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f70 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2001 y4b35 w1062 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>190<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2002 y4b35 w1385 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls85 wsc0\">2<span class=\"_ _39\"></span>,870<span class=\"_ _2\"></span>,703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2003 y4b35 w1386 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,353,016<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2004 y4b35 w1387 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">2<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,708<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2005 y4b35 w276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,372,<span class=\"_ _d\"></span>193<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2006 y4b35 w1388 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _39\"></span>,96<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2007 y4b35 w1389 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>915,919<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2008 y4b35 w123a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2009 y4ac1 w780 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200a y4ac1 w138a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">45,630<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200b y4ac1 w4a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">184<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200c y4ac1 w138b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls3e ws6c\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200d y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200e y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x200f y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aca y4ac1 w138c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _5\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2010 y4ac2 w138d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,653,460<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2011 y4ac2 w138e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,262<span class=\"_ _2\"></span>,420<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2012 y4ac2 wd9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,815,814<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2013 y4ac2 w138f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,982,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2014 y4ac2 w5e8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,614,972<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc2e y4ac2 w1390 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>997<span class=\"_ _d\"></span>,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2015 y4ac2 w1096 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _0\"></span>937<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2016 y4ac2 w1391 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">30,26<span class=\"_ _2\"></span>4,521<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f71 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cb6 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2017 y4cb6 w5cb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,306,<span class=\"_ _0\"></span>925<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2018 y4cb6 w1392 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>16<span class=\"_ _2\"></span>4,4<span class=\"_ _2\"></span>62<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2019 y4cb6 w1276 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,509<span class=\"_ _0\"></span>,643<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201a y4cb6 w4e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,895,604<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201b y4cb6 w1393 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,075,055<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201c y4cb6 w1394 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">517<span class=\"_ _d\"></span>,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201d y4cb6 wc13 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201e y4cb6 w6f hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x201f y4a9e w1066 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _0\"></span>76,646<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2020 y4a9e wa70 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,297<span class=\"_ _d\"></span>,284<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x189b y4a9e wf18 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2021 y4a9e w168 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">424,<span class=\"_ _2\"></span>409<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2022 y4a9e w1a5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">810,610<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2023 y4a9e w3b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">554,<span class=\"_ _0\"></span>167<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2024 y4a9e w1395 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">504<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2025 y4a9e w1396 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2026 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2027 y4a9f w129a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">406<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2028 y4a9f w1397 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,<span class=\"_ _d\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2029 y4a9f w1398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,388<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202a y4a9f w1399 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">294,075<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202b y4a9f wc29 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>197<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202c y4a9f w139a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">83,<span class=\"_ _d\"></span>158<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202d y4a9f wb59 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202e y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202f y4b3a w139b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6d wsa2\">9,<span class=\"_ _2\"></span>0<span class=\"_ _39\"></span>24<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2030 y4b3a we4a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2031 y4b3a w139c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2032 y4b3a we27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">55,277<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2033 y4b3a w113b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2034 y4b3a we28 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>909<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbb8 y4b3a w139d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">141,<span class=\"_ _0\"></span>934<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2035 y4b3b w139e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,783,571<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2036 y4b3b w1bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,471,<span class=\"_ _0\"></span>176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2037 y4b3b w234 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,631,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2038 y4b3b w139f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9,350,<span class=\"_ _d\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2039 y4b3b w10a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,235,017<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203a y4b3b w13a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>108,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203b y4b3b w129 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">662,509<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203c y4b3b w13a1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,2<span class=\"_ _2\"></span>42,041<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203d y4b3c w13a3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(130,<span class=\"_ _d\"></span>111)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203e y4b3c w13a4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">791,244<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x203f y4b3c wa61 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">184,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2040 y4b3c w13a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(6,367<span class=\"_ _d\"></span>,253)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2041 y4b3c w13a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,379<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe83 y4b3c w13a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,889<span class=\"_ _0\"></span>,812<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2042 y4b3c w13a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,274,621<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2043 y4b3c w13a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,4<span class=\"_ _2\"></span>80<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2044 y4aa3 w1ba hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(130<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>111)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2045 y4aa3 w13ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">661,<span class=\"_ _0\"></span>133<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2046 y4aa3 w13ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">845,345<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2047 y4aa3 w13ad hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,521,<span class=\"_ _0\"></span>908)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2048 y4aa3 w13ae hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2,<span class=\"_ _0\"></span>141,<span class=\"_ _0\"></span>953)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd3 y4aa3 w7b7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(252<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>141)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2049 y4aa3 w13af hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,022,480<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table><table class=\"s w13b0 h181\" id=\"_d580a1d1-281d-470f-a5e5-5bde3bde861a\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m1 x524 h77 y4f72 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x204a h77 y4f73 ffb fs1d fc1 sc0 ls0 ws0\">On </td><td class=\"t m1 x204b h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1f1b h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x516 h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1e6a h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x204c h77 y4f73 ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x204d h77 y4f73 ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x204e h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e7d h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x204f h77 y4f74 ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x516 h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x2fa h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x6cf h77 y4f74 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x2050 y4f75 w1292 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2051 y4f75 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f76 ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f77 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2052 y4f77 w13b1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,853,<span class=\"_ _0\"></span>938<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2053 y4f77 w13b2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">730,<span class=\"_ _0\"></span>905<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2054 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2055 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2056 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2057 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2058 y4f77 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ed9 y4f77 w130a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584<span class=\"_ _2\"></span>,843<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f78 w13b3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _73\"> </span>2,396,57<span class=\"_ _d\"></span>4<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x1566 y4f78 w66f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">733<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2059 y4f78 w13b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,257<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205a y4f78 w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,885<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205b y4f78 w13b5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,986<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205c y4f78 w52c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,291<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205d y4f78 w7b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,302<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205e y4f78 w13b6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,433,028<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205f y4f6f w20c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">953,357<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2060 y4f6f w13b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,315,414<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2061 y4f6f w13b8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">536,088<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2062 y4f6f w9a5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">217<span class=\"_ _d\"></span>,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2063 y4f6f w13b9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">142<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>195<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13f0 y4f6f w13ba hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182<span class=\"_ _2\"></span>,498<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2064 y4f6f w13bb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,221<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2065 y4f6f wc3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f79 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2001 y4b35 w9b7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,204<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2066 y4b35 w13bc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,087<span class=\"_ _5\"></span>,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2067 y4b35 w13bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,238,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2068 y4b35 w996 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _d\"></span>103,<span class=\"_ _0\"></span>947<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2069 y4b35 w13be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,575,809<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206a y4b35 w13bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,420,<span class=\"_ _d\"></span>979<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206b y4b35 w13c0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,<span class=\"_ _2\"></span>430,<span class=\"_ _d\"></span>135<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206c y4b35 w37 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206d y4ac1 w13c1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">2,0<span class=\"_ _2\"></span>57<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206e y4ac1 w13c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">375,<span class=\"_ _0\"></span>736<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x206f y4ac1 w7e1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2070 y4ac1 w95 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2071 y4ac1 w862 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,6<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2072 y4ac1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2073 y4ac1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11c5 y4ac1 w7f9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _d\"></span>9<span class=\"_ _2\"></span>90<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac2 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2074 y4ac2 w13c3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,210,<span class=\"_ _0\"></span>130<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2075 y4ac2 w933 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,510,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2076 y4ac2 w13c4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,777<span class=\"_ _d\"></span>,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2077 y4ac2 w13c5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,326,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2078 y4ac2 w13c6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,745,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2079 y4ac2 w13c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,604<span class=\"_ _2\"></span>,7<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207a y4ac2 w13c8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,452,658<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207b y4ac2 w1296 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,627<span class=\"_ _d\"></span>,296<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f7a ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4a9d w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207c y4a9d w13c9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,406,67<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207d y4a9d w6dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,812,580<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207e y4a9d w13ca hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,298,<span class=\"_ _0\"></span>966<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x207f y4a9d wa36 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>963,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2080 y4a9d w13cb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,229<span class=\"_ _0\"></span>,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2081 y4a9d w918 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">283,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2082 y4a9d w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,552<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2083 y4a9d w13cc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,397<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2084 y4a9e w13cd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">701,20<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x13ec y4a9e w13ce hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,599,<span class=\"_ _d\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2085 y4a9e w1098 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">168,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2086 y4a9e w13cf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">396,<span class=\"_ _0\"></span>759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2087 y4a9e w13d0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">6<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>0<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2088 y4a9e w3ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">363,79<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2089 y4a9e w13d1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">359<span class=\"_ _d\"></span>,827<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208a y4a9e w125e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,26<span class=\"_ _2\"></span>6,653<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208b y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208c y4a9f w13d2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,816<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208d y4a9f w13d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">51,<span class=\"_ _0\"></span>107<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208e y4a9f w68e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">281,519<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208f y4a9f w745 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109,683<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2090 y4a9f w49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">195,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2091 y4a9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2092 y4a9f w1098 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c96 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2093 y4c96 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2094 y4c96 w11d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,899<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2095 y4c96 w13d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,1<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2096 y4c96 w13d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,<span class=\"_ _0\"></span>146<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2097 y4c96 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,624<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2098 y4c96 w469 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2099 y4c96 w26b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,677<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x882 y4c96 w13d6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,47<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209a y4b3b w13d7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _0\"></span>107<span class=\"_ _d\"></span>,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209b y4b3b w88e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,426,397<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209c y4b3b w13d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,525,794<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209d y4b3b w13d9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,655,956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209e y4b3b w13da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,063,<span class=\"_ _0\"></span>102<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12f8 y4b3b w9cb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">870,306<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x209f y4b3b wd4f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">639<span class=\"_ _0\"></span>,056<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a0 y4b3b w13db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,288,4<span class=\"_ _2\"></span>88<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a1 y4b3c w472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a2 y4b3c w13dc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">84<span class=\"_ _2\"></span>,097<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a3 y4b3c w1a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">251,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a4 y4b3c w13dd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,329<span class=\"_ _0\"></span>,650)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a5 y4b3c w13de hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,682<span class=\"_ _2\"></span>,532<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a6 y4b3c w13df hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,734,462<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x10f6 y4b3c w1d5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,813,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a7 y4b3c w13e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,338,808<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a8 y4aa3 w472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">102,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20a9 y4aa3 w13e1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">186,350<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20aa y4aa3 w4db hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">437<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ab y4aa3 w13e2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(4,891,788)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ac y4aa3 w13e3 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,209<span class=\"_ _0\"></span>,256)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ad y4aa3 w13e4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls89 wsc3\">(<span class=\"_ _0\"></span>474,7<span class=\"_ _2\"></span>94)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ae y4aa3 w13e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,338,808<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table><table class=\"s w13e5 h181\" id=\"_fc345d99-f476-47a7-ac40-6f23bfc99e8c\"><tr><td></td><td></td><td></td><td></td><td class=\"t m1 x20af h77 y4f7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x204a h77 y4f7c ffb fs1d fc1 sc0 ls0 ws0\">On </td><td class=\"t m1 x204b h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1f1b h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x2f9 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x16c8 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x20b0 h77 y4f7c ffb fs1d fc1 sc0 ls0 wse4\">Up to<span class=\"ws0\"> </span></td><td class=\"t m1 x1644 h77 y4f7c ffb fs1d fc1 sc0 ls0 ws0\">Over </td><td></td></tr><tr><td></td><td class=\"t m1 x204e h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">demand<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x1e7d h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">3 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x204f h77 y4f7d ffb fs1d fc1 sc0 ls0 ws0\">6 months<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x5dd h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12ec h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">3 years<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x12f1 h77 y4f7d ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></td><td class=\"c n x1fe7 y4f7e w1292 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">5 years<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe8 y4f7e w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f7f ffb fs8 fc1 sc0 ls0 ws0\">Financial assets<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4f77 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1fe9 y4f77 w5c7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,291,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b1 y4f77 wcde hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">228,672<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b2 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b3 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b4 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b5 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b6 y4f77 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b7 y4f77 w131a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6e w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b8 y4f6e w13e6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,893,732<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20b9 y4f6e w13e7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,003<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ba y4f6e w13e8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _2\"></span>7<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bb y4f6e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bc y4f6e w15d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,652<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bd y4f6e wae1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,540<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x199d y4f6e w752 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,719<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20be y4f6e w1111 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f6f w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20bf y4f6f w13e9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>162<span class=\"_ _2\"></span>,051<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c0 y4f6f w13ea hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,282<span class=\"_ _2\"></span>,493<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c1 y4f6f w13eb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">7,<span class=\"_ _39\"></span>4<span class=\"_ _39\"></span>7<span class=\"_ _39\"></span>8<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1600 y4f6f we31 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,4<span class=\"_ _2\"></span>86<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c2 y4f6f wb92 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c3 y4f6f w13ec hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls83 wsbd\">8<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>,7<span class=\"_ _2\"></span>76<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c4 y4f6f w8a9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,64<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c5 y4f6f w12be hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f80 ff2 fs8 fc1 sc0 ls0 ws16\">Loans to customers and finance </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4b35 w1263 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">lease receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c6 y4b35 w94b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">2<span class=\"_ _2\"></span>,9<span class=\"_ _2\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c7 y4b35 w13ed hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,046,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c8 y4b35 we1b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">926,06<span class=\"_ _0\"></span>1<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20c9 y4b35 w13ee hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>97<span class=\"_ _0\"></span>6,611<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ca y4b35 w13ef hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,005,<span class=\"_ _0\"></span>985<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cb y4b35 w13f0 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,281,<span class=\"_ _0\"></span>105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cc y4b35 w13f1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>929<span class=\"_ _0\"></span>,858<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cd y4b35 w5bf hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _d\"></span>168,9<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac1 w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ce y4ac1 w13f2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls68 ws9d\">261<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20cf y4ac1 w13f3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,608<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d0 y4ac1 w27 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d1 y4ac1 w10b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,802<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d2 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d3 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d4 y4ac1 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d5 y4ac1 w3d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f81 w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d6 y4f81 w13f4 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,350,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d7 y4f81 w13f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,567<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>163<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d8 y4f81 wb34 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>41,292<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20d9 y4f81 w13f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,990,899<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20da y4f81 w13f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,055,371<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20db y4f81 w604 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,373,421<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20dc y4f81 w13f8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>941,223<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20dd y4f81 w13f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,220,269<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f82 ffb fs8 fc1 sc0 ls0 ws0\">Financial liabilities<span class=\"_ _3e0\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1ca y4cb6 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20de y4cb6 w13fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,455,<span class=\"_ _0\"></span>123<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20df y4cb6 w127 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,783,<span class=\"_ _d\"></span>998<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e0 y4cb6 w13fb hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>177<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>931<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e1 y4cb6 w13fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,048,0<span class=\"_ _0\"></span>73<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e2 y4cb6 w13fd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">852<span class=\"_ _2\"></span>,<span class=\"_ _d\"></span>196<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e3 y4cb6 we1d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">454,304<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e4 y4cb6 w13fe hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">266,377<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e5 y4cb6 w13ff hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e6 y4a9e w10e3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">170,4<span class=\"_ _0\"></span>10<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e7 y4a9e w1400 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,638,683<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e8 y4a9e w1401 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">221,013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20e9 y4a9e w1402 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">355,637<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ea y4a9e w1403 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">996,<span class=\"_ _d\"></span>956<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20eb y4a9e w1404 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">526,697<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ec y4a9e w1405 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">409,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ed y4a9e w1361 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x208b y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ee y4a9f w1406 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,515<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ef y4a9f w1407 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,36<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f0 y4a9f w1408 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">233,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f1 y4a9f w1409 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,008,<span class=\"_ _d\"></span>104<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f2 y4a9f w140a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">222,878<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f3 y4a9f wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f4 y4a9f w7a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2093 y4b3a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f5 y4b3a w140b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>198<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f6 y4b3a w716 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,7<span class=\"_ _0\"></span>82<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f7 y4b3a w140c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,355<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f8 y4b3a w992 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">35,238<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20f9 y4b3a w140d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22<span class=\"_ _2\"></span>,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fa y4b3a w140e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,281<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fb y4b3a wc96 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls16 ws2f\">8<span class=\"_ _39\"></span>7,<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>6<span class=\"_ _39\"></span>2<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w2ce hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 lsa6 wsef\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fc y4b3b w140f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,625,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fd y4b3b w2ff hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,466,394<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20fe y4b3b w1410 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,421,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x20ff y4b3b w1411 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">6,647<span class=\"_ _d\"></span>,889<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2100 y4b3b w1412 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,892<span class=\"_ _2\"></span>,494<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2101 y4b3b w1400 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,226,687<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2102 y4b3b w7ac hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">682,707<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2103 y4b3b w1413 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls6d wsa2\">1<span class=\"_ _2\"></span>9,9<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _39\"></span>,7<span class=\"_ _39\"></span>94<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2104 y4b3c w331 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,725,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2105 y4b3c w230 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">100,7<span class=\"_ _0\"></span>69<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2106 y4b3c w1414 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(479<span class=\"_ _d\"></span>,798)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2107 y4b3c w1415 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>4,656,990<span class=\"_ _0\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2108 y4b3c w1416 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>162<span class=\"_ _2\"></span>,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2109 y4b3c w1417 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>146,734<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210a y4b3c w1418 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,258,516<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210b y4b3c w1419 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,475<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Accumulated gap<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210c y4aa3 w331 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,725,367<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210d y4aa3 w141a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,826,<span class=\"_ _0\"></span>136<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210e y4aa3 w141b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,3<span class=\"_ _2\"></span>46,338<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x210f y4aa3 w141c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(3,310,652)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2110 y4aa3 w141d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>147<span class=\"_ _d\"></span>,775)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2111 y4aa3 w141e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(1,001,041)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x938 y4aa3 w1419 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,257<span class=\"_ _d\"></span>,475<span class=\"_ _3e0\"> </span></div></td><td></td></tr></table>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s capability to dischar<span class=\"_ _0\"></span>ge its liabilities relies on its ability<span class=\"_ _0\"></span> to realise equivalen<span class=\"_ _0\"></span>t assets within the same period of time<span class=\"_ _0\"></span>. In the Georgian mark<span class=\"_ _0\"></span>etplace, wher<span class=\"_ _0\"></span>e most of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s business is concentrated, man<span class=\"_ _0\"></span>y short-term cr<span class=\"_ _0\"></span>edits are gran<span class=\"_ _0\"></span>ted with the expectation of r<span class=\"_ _0\"></span>enewing the loans at maturity<span class=\"_ _d\"></span>. As such, the ultimate maturity o<span class=\"_ _0\"></span>f assets may be dif<span class=\"_ _0\"></span>feren<span class=\"_ _0\"></span>t from <span class=\"_ _0\"></span>the analysis presented abo<span class=\"_ _0\"></span>ve. T<span class=\"_ _5\"></span>o reflect the historical stability<span class=\"_ _0\"></span> of current ac<span class=\"_ _0\"></span>counts, the Group c<span class=\"_ _0\"></span>alculates the minimal daily balance o<span class=\"_ _0\"></span>f current accounts ov<span class=\"_ _0\"></span>er the past two <span class=\"_ _0\"></span>years and includes the amount in <span class=\"_ _0\"></span>the \u2018Up to 1 year\u2019 category in the <span class=\"_ _0\"></span>table above. <span class=\"_ _0\"></span>The remaining curren<span class=\"_ _0\"></span>t accounts ar<span class=\"_ _0\"></span>e included in the \u2018On demand\u2019 category<span class=\"_ _d\"></span>. T<span class=\"_ _d\"></span>o match the cov<span class=\"_ _0\"></span>erage of short-term borr<span class=\"_ _0\"></span>owings fr<span class=\"_ _0\"></span>om the NBG with the investment securities pledged <span class=\"_ _0\"></span>to secure it, those securities are included in the \u2018<span class=\"_ _0\"></span>On demand\u2019 category<span class=\"_ _0\"></span>. Considering credit c<span class=\"_ _0\"></span>ards have no contr<span class=\"_ _0\"></span>actual maturities, the above allocation per c<span class=\"_ _0\"></span>ategor<span class=\"_ _2\"></span>y is done based on the statistic<span class=\"_ _0\"></span>al coverage r<span class=\"_ _0\"></span>ates observed.<span class=\"_ _3e0\"> </span>The Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s principal sources of<span class=\"_ _0\"></span> liquidity are as f<span class=\"_ _0\"></span>ollows:<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>deposits; \u2022 <span class=\"_ _59\"> </span>borrowings f<span class=\"_ _0\"></span>rom international cr<span class=\"_ _0\"></span>edit institutions; \u2022 <span class=\"_ _59\"> </span>inter-bank deposit agr<span class=\"_ _0\"></span>eements;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>debt issues;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>proceeds f<span class=\"_ _0\"></span>rom sale of securities;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>principal repayments on loans;<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>interest income; and<span class=\"_ _3e0\"> </span>\u2022 <span class=\"_ _59\"> </span>fees and commissions income<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span>As at 31 December 2023, client depo<span class=\"_ _0\"></span>sits and notes amounted to GEL<span class=\"_ _0\"></span> 20,522,739 (2022: GEL<span class=\"_ _0\"></span> 18,261,397<span class=\"_ _5\"></span>, 2021: GEL 14,038,<span class=\"_ _0\"></span>002) and repr<span class=\"_ _0\"></span>esented 77% (2022: 7<span class=\"_ _0\"></span>4%, 2021: 69%) of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s total liabilities. These f<span class=\"_ _0\"></span>unds continue to pr<span class=\"_ _0\"></span>ovide a majority of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s funding and repr<span class=\"_ _0\"></span>esent a diversified and stable sour<span class=\"_ _0\"></span>ce of f<span class=\"_ _0\"></span>unds. As at 31 December 2023, amounts o<span class=\"_ _0\"></span>wed to credit institutions amounted to GEL<span class=\"_ _0\"></span> 5,<span class=\"_ _d\"></span>156,009 2023 (2022: GEL 5,266,653, 20<span class=\"_ _0\"></span>21: GEL 4,318,4<span class=\"_ _2\"></span>45) and repr<span class=\"_ _0\"></span>esented 19% (2022: 21%, 2021: 21%) of t<span class=\"_ _0\"></span>otal liabilities. As at 31 December<span class=\"_ _0\"></span> 2023, debt securities issued amounted to GEL<span class=\"_ _0\"></span> 421,359 (2022: GEL<span class=\"_ _0\"></span> 6<span class=\"_ _2\"></span>45,<span class=\"_ _0\"></span>968, 2021: GEL<span class=\"_ _0\"></span> 1,518,685) and repr<span class=\"_ _0\"></span>esented 2% (2022: 3%, 2021: 7%) of <span class=\"_ _0\"></span>total liabilities.<span class=\"_ _3e0\"> </span>In the Board\u2019<span class=\"_ _d\"></span>s opinion, liquidity is sufficient <span class=\"_ _0\"></span>to meet the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s present r<span class=\"_ _0\"></span>equirements.<span class=\"_ _3e0\"> </span>The table below sho<span class=\"_ _0\"></span>ws an analysis of assets and liabilities accor<span class=\"_ _0\"></span>ding to when the<span class=\"_ _0\"></span>y ar<span class=\"_ _0\"></span>e expected to be rec<span class=\"_ _0\"></span>overed or<span class=\"_ _0\"></span> settled, ex<span class=\"_ _0\"></span>cept for<span class=\"_ _0\"></span> current accoun<span class=\"_ _0\"></span>ts which are included in the \u2018Up t<span class=\"_ _0\"></span>o 1 year\u2019 category in the table abo<span class=\"_ _0\"></span>ve, noting that r<span class=\"_ _0\"></span>espective contractual maturity may e<span class=\"_ _0\"></span>xpand over significan<span class=\"_ _0\"></span>tly longer periods: <table class=\"s w12a5 h182\" id=\"_11aad869-da08-4392-a740-8299df56279d\"><tr><td></td><td class=\"t m1 x6cf h77 y4f83 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x2112 h77 y4f84 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x12ed h77 y4f84 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x4ec h77 y4f85 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4f86 w953 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2113 y4f86 w177 hf4\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f87 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2114 y4f87 w137d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _d\"></span>101,824<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7c9 y4f87 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xf3c y4f87 w28 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,<span class=\"_ _0\"></span>101,824<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f88 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2115 y4f88 w141f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,733,898<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2116 y4f88 w1420 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,<span class=\"_ _0\"></span>759<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2117 y4f88 w224 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,752,657<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f89 w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2118 y4f89 w1232 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,851,7<span class=\"_ _0\"></span>03<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2119 y4f89 w10fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">278,054<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa3d y4f89 w93b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _d\"></span>129,<span class=\"_ _0\"></span>757<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8a w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211a y4f8a w1421 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,<span class=\"_ _d\"></span>979<span class=\"_ _0\"></span>,617<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211b y4f8a w1422 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">13,253,<span class=\"_ _d\"></span>10<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211c y4f8a w1423 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,232,721<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8b w39 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5b y4f8b w1340 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa48 y4f8b wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5d y4f8b w698 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">47<span class=\"_ _d\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8c w3e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211d y4f8c w11fa hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211e y4f8c w5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,878<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x211f y4f8c w44a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,511<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8d w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa84 y4f8d wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2120 y4f8d w44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,712<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2121 y4f8d w44 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">271,712<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8e w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ab2 y4f8e wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2122 y4f8e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2123 y4f8e w49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">138,695<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f8f w4c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19ea y4f8f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2124 y4f8f w893 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">124<span class=\"_ _2\"></span>,068<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2125 y4f8f w64 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">124,068<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f90 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x19a1 y4f90 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2126 y4f90 w53 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">436,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b16 y4f90 w629 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">436,955<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f91 w56 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b8 y4f91 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2127 y4f91 w40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2128 y4f91 w40 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">41,253<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d5e w58 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a12 y4d5e wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2129 y4d5e w59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e25 y4d5e w1424 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,862<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4e02 w5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212a y4e02 w5e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,520<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x11d6 y4e02 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212b y4e02 w1425 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,520<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f92 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1773 y4f92 wd6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">238,560<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212c y4f92 w12d8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">6,512<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212d y4f92 w63 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">245,072<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4de9 w66 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x202 y4de9 w67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,389<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa13 y4de9 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1121 y4de9 w67 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">27<span class=\"_ _d\"></span>,389<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c7a w6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x205 y4c7a wecd hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,013,706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212e y4c7a w1426 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">14,743,85<span class=\"_ _0\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x212f y4c7a wb7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,757<span class=\"_ _d\"></span>,558<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f45 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2130 y4f45 w1427 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">18,876,634<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2131 y4f45 w13f5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,646,<span class=\"_ _d\"></span>105<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2132 y4f45 w1244 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">20,522,<span class=\"_ _0\"></span>739<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a w72 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x186f y4d0a w1428 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">3,286,308<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2133 y4d0a w10e7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">1,869<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>01<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2134 y4d0a w1348 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>156,009<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f93 w77 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2135 y4f93 w29c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,<span class=\"_ _0\"></span>929<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2136 y4f93 w1429 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">382,<span class=\"_ _2\"></span>430<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe67 y4f93 wb59 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">421,359<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d20 w7b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2137 y4d20 w12ed hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">34,6<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2138 y4d20 we37 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">107<span class=\"_ _d\"></span>,293<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb7a y4d20 w142a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\"><span class=\"ffb\">1</span>41,<span class=\"_ _d\"></span>93<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w7f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb34 y4dd7 w142b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls83 wsbd\">90<span class=\"_ _2\"></span>,76<span class=\"_ _2\"></span>2<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2139 y4dd7 wf3e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">38,593<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213a y4dd7 w142c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">129<span class=\"_ _0\"></span>,355<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w83 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213b y4ca8 w146 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">185,4<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213c y4ca8 w142d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">13,618<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213d y4ca8 w939 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ff2 fs8 fc1 sc0 ls0 ws0\">199,<span class=\"_ _0\"></span>058<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa1 w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7 y4aa1 w59 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _d\"></span>,268<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4aa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213e y4aa1 w89 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">167<span class=\"_ _5\"></span>,268<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3c w8c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x213f y4b3c w142e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22,679<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2140 y4b3c w8e0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,057<span class=\"_ _d\"></span>,7<span class=\"_ _0\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2141 y4b3c w142f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">26,737<span class=\"_ _5\"></span>,722<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13a2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2142 y4aa3 w1430 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(5,666,276)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2143 y4aa3 w1431 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,686,<span class=\"_ _0\"></span>112<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2144 y4aa3 w1f9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,019<span class=\"_ _0\"></span>,836<span class=\"_ _3e0\"> </span></div></td></tr></table><table class=\"s w1432 h183\" id=\"_829202a9-63ed-4586-b4f3-a9f13a892635\"><tr><td></td><td class=\"c n x1f6a y4f94 w134d h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>22<span class=\"_ _3e0\"> </span></div></td><td></td><td></td><td class=\"c n x1f6b y4f94 w134e h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>21<span class=\"_ _3e0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m1 x1f13 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x1e82 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td><td class=\"t m1 x2112 h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">Less than<span class=\"ws0\"> </span></td><td class=\"t m1 x12ed h77 y4f95 ffb fs1d fc1 sc0 ls0 wse4\">More than<span class=\"ws0\"> </span></td><td></td></tr><tr><td></td><td class=\"t m1 x4dc h77 y4f96 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1657 y4f97 w953 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2145 y4f97 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td><td class=\"t m1 x4ec h77 y4f96 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></td><td class=\"c n x1646 y4f97 w953 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 wsff\">1 year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2113 y4f97 w177 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 lsa1 wsec\">To<span class=\"_ _39\"></span>t<span class=\"_ _2\"></span>a<span class=\"_ _39\"></span>l<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f98 w26 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2146 y4f98 w29 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2147 y4f98 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2148 y4f98 w1433 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,584,843<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2149 y4f98 w2a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520,562<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbf2 y4f98 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214a y4f98 w1434 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,520<span class=\"_ _0\"></span>,562<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f99 w2b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214b y4f99 w1435 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,402,4<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214c y4f99 w194 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">30,579<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2148 y4f99 w1436 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,433,028<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214d y4f99 w1437 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>909<span class=\"_ _0\"></span>,479<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214e y4f99 w782 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,<span class=\"_ _d\"></span>911<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x214f y4f99 w1111 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>931,390<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9a w30 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2150 y4f9a wb49 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,022,815<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2151 y4f9a w1438 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">326,<span class=\"_ _0\"></span>914<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2152 y4f9a w12bf hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,349<span class=\"_ _0\"></span>,729<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2153 y4f9a w1439 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,<span class=\"_ _2\"></span>46<span class=\"_ _2\"></span>4,508<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2154 y4f9a waeb hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">131,<span class=\"_ _d\"></span>156<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2155 y4f9a w12be hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,595,664<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"t m1 x1c9 h1b y4f9b ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x244 y4f9c wde3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">receiv<span class=\"_ _0\"></span>ables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2156 y4f9c w901 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,434<span class=\"_ _2\"></span>,783<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2157 y4f9c w631 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,426,<span class=\"_ _0\"></span>923<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2158 y4f9c w1353 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,861,<span class=\"_ _0\"></span>706<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2159 y4f9c w143a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,952,0<span class=\"_ _0\"></span>25<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215a y4f9c wb7 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">10,216,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215b y4f9c w1266 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,<span class=\"_ _0\"></span>168,<span class=\"_ _0\"></span>973<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9d w39 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accounts r<span class=\"_ _0\"></span>eceivable and other loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215c y4f9d w9d4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">379<span class=\"_ _0\"></span>,34<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215d y4f9d wbfe hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215e y4f9d w143b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">397<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>990<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x215f y4f9d w3d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbbc y4f9d wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2160 y4f9d w1126 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,680<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9e w3e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Prepayments<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2161 y4f9e wb52 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,020<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2162 y4f9e w567 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x88d y4f9e w40 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">43,612<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbae y4f9e w66a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">39<span class=\"_ _0\"></span>,276<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2163 y4f9e w66e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,602<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2164 y4f9e w119 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">40,878<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f9f w3a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2165 y4f9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2166 y4f9f w3b4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119,<span class=\"_ _d\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2167 y4f9f wa98 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">119<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>924<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2168 y4f9f wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2169 y4f9f w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216a y4f9f w46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,216<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa0 w47 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216b y4fa0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216c y4fa0 wc74 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _0\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1671 y4fa0 w4a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">117<span class=\"_ _d\"></span>,387<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1aae y4fa0 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14da y4fa0 w143c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _0\"></span>186<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x5ea y4fa0 w4b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>186<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa1 w4c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment pr<span class=\"_ _0\"></span>operties<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f7a y4fa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x7a7 y4fa1 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216d y4fa1 w4f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">166,546<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a29 y4fa1 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216e y4fa1 w50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x216f y4fa1 w50 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">226,849<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa2 w51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2170 y4fa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2171 y4fa2 w54 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2172 y4fa2 w143d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">398,855<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1ada y4fa2 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2173 y4fa2 w55 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,808<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2174 y4fa2 w143e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">378,808<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa3 w56 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Goodwill<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2175 y4fa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2176 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2177 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xacb y4fa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2178 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2179 y4fa3 w57 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">33,351<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa4 w58 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217a y4fa4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217b y4fa4 w143f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217c y4fa4 w911 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">149<span class=\"_ _d\"></span>,<span class=\"_ _2\"></span>441<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217d y4fa4 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217e y4fa4 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">144<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x217f y4fa4 w63b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">144<span class=\"_ _2\"></span>,251<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa5 w5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2180 y4fa5 wfa9 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">224<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2181 y4fa5 wdb1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6<span class=\"_ _2\"></span>40<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2182 y4fa5 w1440 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2183 y4fa5 w874 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">109<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2184 y4fa5 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2185 y4fa5 wfb0 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">292<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa6 w39a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2186 y4fa6 w1441 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">206,<span class=\"_ _d\"></span>176<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2187 y4fa6 w1442 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,882<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2188 y4fa6 w64 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">215,058<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2189 y4fa6 wa0a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">24<span class=\"_ _2\"></span>6,563<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218a y4fa6 w3a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,682<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218b y4fa6 w65 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">255,245<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa7 w66 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Assets held f<span class=\"_ _0\"></span>or sale<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218c y4fa7 w68 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218d y4fa7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xea0 y4fa7 w1443 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">29<span class=\"_ _0\"></span>,566<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xa5e y4fa7 w69 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,731<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe66 y4fa7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfee y4fa7 w1444 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">46,731<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa8 w6a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218e y4fa8 w1445 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16,100<span class=\"_ _0\"></span>,222<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x218f y4fa8 w1446 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,801,678<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2190 y4fa8 w1447 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">28,<span class=\"_ _0\"></span>901,<span class=\"_ _0\"></span>900<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2191 y4fa8 w1448 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>182,933<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2192 y4fa8 w1449 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,247<span class=\"_ _d\"></span>,143<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2193 y4fa8 w1270 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _2\"></span>430,07<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fa9 w6e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2194 y4fa9 w144a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">16,481,7<span class=\"_ _0\"></span>48<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2195 y4fa9 w144b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,779<span class=\"_ _d\"></span>,6<span class=\"_ _2\"></span>49<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2196 y4fa9 w1273 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">18,261,39<span class=\"_ _0\"></span>7<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2197 y4fa9 w144c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12,4<span class=\"_ _2\"></span>65,<span class=\"_ _d\"></span>125<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2198 y4fa9 w144d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,572,877<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2199 y4fa9 wb8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">14,038,002<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4faa w72 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219a y4faa w1d5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,865,628<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219b y4faa w1343 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,401,025<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219c y4faa w144e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,266,653<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219d y4faa w144f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2,385,7<span class=\"_ _0\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219e y4faa w1450 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>932<span class=\"_ _2\"></span>,7<span class=\"_ _0\"></span>02<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x219f y4faa w127b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,318,4<span class=\"_ _2\"></span>45<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fab w77 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a0 y4fab w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">340,442<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a1 y4fab w49b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">305,526<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a2 y4fab w9c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">645,9<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a3 y4fab w1451 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">287<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>703<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a4 y4fab w1452 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,230,<span class=\"_ _d\"></span>982<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a5 y4fab w1362 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,518,685<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fac w7b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a6 y4fac wa2c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">28,206<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a7 y4fac w1453 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">86,264<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a8 y4fac wc51 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">114,470<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21a9 y4fac w1454 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">22,335<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b12 y4fac w754 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">65,327<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21aa y4fac wc2d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">87<span class=\"_ _d\"></span>,662<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fad w7f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and def<span class=\"_ _0\"></span>erred income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1596 y4fad w1455 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">73,6<span class=\"_ _2\"></span>60<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ab y4fad wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">32,7<span class=\"_ _0\"></span>06<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ac y4fad wa84 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">106,366<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xda8 y4fad w10d3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">53,34<span class=\"_ _2\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ad y4fad w1456 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">26,811<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x947 y4fad w82 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">80,<span class=\"_ _d\"></span>157<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fae w83 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ae y4fae w1457 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">20,258<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21af y4fae we27 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">79,275<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc13 y4fae w1458 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">99,533<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b0 y4fae wdb6 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,270<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b1 y4fae w192 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,598<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x22b y4fae w87 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">110,868<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4faf w88 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b2 y4faf w1459 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">157<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>948<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b3 y4faf w8a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">743<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x157b y4faf w8a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">158,691<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b4 y4faf w4dc hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">182,07<span class=\"_ _0\"></span>0<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b5 y4faf w145a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,279<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b6 y4faf w12c4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">183,349<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa2 w8c h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b7 y4aa2 w145b h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20,<span class=\"_ _0\"></span>967<span class=\"_ _5\"></span>,890<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b8 y4aa2 w145c h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">3,685,<span class=\"_ _0\"></span>188<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21b9 y4aa2 w8e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">24,653,078<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f5a y4aa2 w145d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15,481,592<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ba y4aa2 w145e h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">4<span class=\"_ _2\"></span>,855,576<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bb y4aa2 w145f h122\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">20,337<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>168<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w13a2 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls5e ws8e\">Net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bc y4aa3 w1460 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(4,867<span class=\"_ _d\"></span>,668)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bd y4aa3 w1461 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>116,490<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21be y4aa3 w1462 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">4,24<span class=\"_ _2\"></span>8,822<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21bf y4aa3 w1463 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">(3,298,659)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c0 y4aa3 w1464 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">6,39<span class=\"_ _2\"></span>1,567<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c1 y4aa3 w1290 h118\"><div class=\"t m1 x1c5 h1b y4c92 ffb fs8 fc1 sc0 ls0 ws0\">3,092,<span class=\"_ _0\"></span>908</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:MaturityAnalysisForNonderivativeFinancialLiabilities",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-797": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs77a\">33.  Relat<span class=\"_ _0\"></span>ed par<span class=\"_ _2\"></span>ty disclo<span class=\"_ _0\"></span>sures<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77b\">In accor<span class=\"_ _0\"></span>dance with IAS 24 \u2018Related P<span class=\"_ _0\"></span>arty Disclosures\u2019<span class=\"_ _38\"></span>, parties are considered t<span class=\"_ _0\"></span>o be related if one party has the ability<span class=\"_ _0\"></span> to contr<span class=\"_ _0\"></span>ol the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77c\">other party or<span class=\"_ _0\"></span> exer<span class=\"_ _0\"></span>cise significant influence o<span class=\"_ _0\"></span>ver the other party<span class=\"_ _0\"></span> in making financial or operational decisions. In considering each </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77d\">possible related party r<span class=\"_ _0\"></span>elationship, attention is dir<span class=\"_ _0\"></span>ected to the substance of<span class=\"_ _0\"></span> the relationship, not mer<span class=\"_ _0\"></span>ely the legal <span class=\"_ _0\"></span>form.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77e\">Related parties may<span class=\"_ _0\"></span> enter into tr<span class=\"_ _0\"></span>ansactions which unrelated parties might not, and transactions between r<span class=\"_ _0\"></span>elated parties may not </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs77f\">be eff<span class=\"_ _0\"></span>ected on the same terms, conditions and amounts as <span class=\"_ _0\"></span>transactions between unrelated parties. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs780\">All transactions with r<span class=\"_ _0\"></span>elated parties disclosed below have been conducted on an arm\u2019<span class=\"_ _d\"></span>s length basis.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs781\">The volumes of<span class=\"_ _0\"></span> related party tr<span class=\"_ _0\"></span>ansactions, outstanding balances at the y<span class=\"_ _0\"></span>ear-end, and related e<span class=\"_ _0\"></span>xpenses and income for<span class=\"_ _0\"></span> the year<span class=\"_ _0\"></span> are </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs782\">as follows:<span class=\"_ _3e0\"> </span></div><div class=\"gs783\"><table class=\"s w8b4 h184\" id=\"_8239f742-3a1a-48af-8a12-34f0935ab918\"><tr><td></td><td class=\"c n x21c2 y4fb0 w1465 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c3 y4fb0 w1466 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c4 y4fb0 w58 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x2ff h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x4e7 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x21c5 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td></tr><tr><td></td><td class=\"t m1 x204f h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x5f3 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x21c6 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"c n x21c7 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c8 y4fb4 w1468 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c9 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ca y4fb4 w996 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates</div></td><td class=\"t m1 x615 h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4fb5 w1469 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cb y4fb5 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cc y4fb5 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cd y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4fb5 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ce y4fb5 w5da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,646<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb6 w146b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans issued during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cf y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d0 y4fb6 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182c y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d1 y4fb6 w405 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d2 y4fb6 w981 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb7 w146c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loan repayments during <span class=\"_ _0\"></span>the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d3 y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4fb7 w146d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d4 y4fb7 wa5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,246)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d5 y4fb7 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,531)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb8 weac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d7 y4fb8 wbe3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d8 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d9 y4fb8 w9bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,075)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4fb8 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,009)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb9 w146e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, gros<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21da y4fb9 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21db y4fb9 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4fb9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dc y4fb9 w146f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4fb9 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dd y4fb9 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4d27 w1470 hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Less: allowance <span class=\"_ _0\"></span>for impairment at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21de y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21df y4d27 w1004 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e0 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e1 y4d27 w1471 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e2 y4d27 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fba w1472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e3 y4fba w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e4 y4fba w1473 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e5 y4fba w1474 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,752<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1781 y4fba w1458 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a w1475 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income on loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e6 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e7 y4d0a wded hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1150 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e8 y4d0a w10c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">745<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e9 y4d0a w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f93 w1476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Expected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ea y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21eb y4f93 w1477 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ec y4f93 w6c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbb w1478 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ed y4fbb w1479 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ee y4fbb w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ef y4fbb w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f0 y4fbb w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f1 y4fbb w147c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4fbb wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,619<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w147d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits receiv<span class=\"_ _0\"></span>ed during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f2 y4dd7 w147e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f3 y4dd7 w147f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1140 y4dd7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f4 y4dd7 w1480 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f5 y4dd7 w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f6 y4dd7 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits repaid during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f7 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f8 y4ca8 wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _0\"></span>715)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f9 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fa y4ca8 w1482 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>773)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fb y4ca8 w1483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32<span class=\"_ _2\"></span>,337)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fc y4b3b wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fd y4b3b w1484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fe y4b3b w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _0\"></span>933)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4b3b w1485 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,355<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbc w1486 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ff y4fbc w1487 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2200 y4fbc w549 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2201 y4fbc w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2202 y4fbc w461 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4fbc w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2203 y4fbc w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t expense on deposits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2204 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2205 y4aa3 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(863)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2206 y4aa3 w1489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9<span class=\"_ _2\"></span>59)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4aa3 w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,368)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h5 ff2 fs2 fc1 sc0 ls0 ws0 gs784\">* <span class=\"_ _299\"> </span>Key management per<span class=\"_ _0\"></span>sonnel includes members of BOGG\u2019<span class=\"_ _0\"></span>s Board of Directors and k<span class=\"_ _0\"></span>ey e<span class=\"_ _0\"></span>xecutives of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs785\">Details of Dir<span class=\"_ _0\"></span>ectors\u2019 emoluments are included in <span class=\"_ _0\"></span>the Remuneration Report on pages 229 t<span class=\"_ _0\"></span>o 247<span class=\"_ _d\"></span>. Compensation of k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs786\">personnel comprised the follo<span class=\"_ _0\"></span>wing:<span class=\"_ _3e0\"> </span></div><div class=\"gs787\"><table class=\"s wc2a h14c\" id=\"_0811a1cb-e550-4794-8d90-bc40e57764eb\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w148a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Salaries and other benefits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w148b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4b44 w148c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2207 y4b44 w148d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w148e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Share-based payments c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2208 y4b45 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26e y4b45 w148f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2209 y4b45 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,048<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Social security costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220a y4b46 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1490 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal ke<span class=\"_ _0\"></span>y management c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1826 y4aa3 w1491 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">68,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220b y4aa3 w1492 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">70,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4aa3 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs788\">Ke<span class=\"_ _0\"></span>y management per<span class=\"_ _0\"></span>sonnel do not receive c<span class=\"_ _0\"></span>ash-settled compensation, ex<span class=\"_ _0\"></span>cept f<span class=\"_ _0\"></span>or fixed salaries. <span class=\"_ _0\"></span>The major part of the to<span class=\"_ _0\"></span>tal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs789\">compensation is share-based (No<span class=\"_ _0\"></span>te 29). The number<span class=\"_ _0\"></span> of ke<span class=\"_ _0\"></span>y management personnel at 31 December<span class=\"_ _0\"></span> 2023 was 23 (31 December  </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78a\">2022: 23, 31 December 2021: 21).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78b\">As at<span class=\"_ gs7d\"> </span>31 December 2023 int<span class=\"_ _0\"></span>erest rates on loans issued <span class=\"_ _0\"></span>to key<span class=\"_ _0\"></span> management personnel comprised 16.8% and 4.5% (31 December 20<span class=\"_ _0\"></span>22: </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78c\">17<span class=\"_ _d\"></span>.<span class=\"_ _0\"></span>9% and 4.5%, 31 December 2021: 28.8% and 4.0%) f<span class=\"_ _0\"></span>or GEL and F<span class=\"_ _0\"></span>C denominated loans, respectively<span class=\"_ _d\"></span>.<span class=\"_ gs7d\"> </span>As at<span class=\"_ gs7d\"> </span>31 December 2023 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78d\">interes<span class=\"_ _0\"></span>t rates on deposits placed by<span class=\"_ _0\"></span> ke<span class=\"_ _0\"></span>y management personnel c<span class=\"_ _0\"></span>omprised 13.5% and 0.0% (<span class=\"_ _0\"></span>as at 31 December 22: 13.5% and 0<span class=\"_ _0\"></span>.0%, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs78e\">as at 31 December 21: 14.2% and 0.0%) <span class=\"_ _0\"></span>for GEL<span class=\"_ _0\"></span> and FC denominated deposits, respectively<span class=\"_ _5\"></span>.<span class=\"_ gs7d\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-813": {
   "value": "33.  Relat<span class=\"_ _0\"></span>ed par<span class=\"_ _2\"></span>ty disclo<span class=\"_ _0\"></span>sures<span class=\"_ _3e0\"> </span>In accor<span class=\"_ _0\"></span>dance with IAS 24 \u2018Related P<span class=\"_ _0\"></span>arty Disclosures\u2019<span class=\"_ _38\"></span>, parties are considered t<span class=\"_ _0\"></span>o be related if one party has the ability<span class=\"_ _0\"></span> to contr<span class=\"_ _0\"></span>ol the other party or<span class=\"_ _0\"></span> exer<span class=\"_ _0\"></span>cise significant influence o<span class=\"_ _0\"></span>ver the other party<span class=\"_ _0\"></span> in making financial or operational decisions. In considering each possible related party r<span class=\"_ _0\"></span>elationship, attention is dir<span class=\"_ _0\"></span>ected to the substance of<span class=\"_ _0\"></span> the relationship, not mer<span class=\"_ _0\"></span>ely the legal <span class=\"_ _0\"></span>form.<span class=\"_ _3e0\"> </span>Related parties may<span class=\"_ _0\"></span> enter into tr<span class=\"_ _0\"></span>ansactions which unrelated parties might not, and transactions between r<span class=\"_ _0\"></span>elated parties may not be eff<span class=\"_ _0\"></span>ected on the same terms, conditions and amounts as <span class=\"_ _0\"></span>transactions between unrelated parties. All transactions with r<span class=\"_ _0\"></span>elated parties disclosed below have been conducted on an arm\u2019<span class=\"_ _d\"></span>s length basis.<span class=\"_ _3e0\"> </span>The volumes of<span class=\"_ _0\"></span> related party tr<span class=\"_ _0\"></span>ansactions, outstanding balances at the y<span class=\"_ _0\"></span>ear-end, and related e<span class=\"_ _0\"></span>xpenses and income for<span class=\"_ _0\"></span> the year<span class=\"_ _0\"></span> are as follows:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h184\" id=\"_8239f742-3a1a-48af-8a12-34f0935ab918\"><tr><td></td><td class=\"c n x21c2 y4fb0 w1465 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c3 y4fb0 w1466 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c4 y4fb0 w58 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x2ff h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x4e7 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x21c5 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td></tr><tr><td></td><td class=\"t m1 x204f h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x5f3 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x21c6 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"c n x21c7 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c8 y4fb4 w1468 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c9 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ca y4fb4 w996 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates</div></td><td class=\"t m1 x615 h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4fb5 w1469 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cb y4fb5 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cc y4fb5 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cd y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4fb5 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ce y4fb5 w5da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,646<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb6 w146b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans issued during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cf y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d0 y4fb6 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182c y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d1 y4fb6 w405 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d2 y4fb6 w981 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb7 w146c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loan repayments during <span class=\"_ _0\"></span>the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d3 y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4fb7 w146d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d4 y4fb7 wa5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,246)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d5 y4fb7 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,531)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb8 weac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d7 y4fb8 wbe3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d8 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d9 y4fb8 w9bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,075)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4fb8 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,009)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb9 w146e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, gros<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21da y4fb9 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21db y4fb9 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4fb9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dc y4fb9 w146f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4fb9 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dd y4fb9 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4d27 w1470 hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Less: allowance <span class=\"_ _0\"></span>for impairment at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21de y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21df y4d27 w1004 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e0 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e1 y4d27 w1471 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e2 y4d27 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fba w1472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e3 y4fba w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e4 y4fba w1473 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e5 y4fba w1474 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,752<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1781 y4fba w1458 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a w1475 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income on loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e6 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e7 y4d0a wded hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1150 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e8 y4d0a w10c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">745<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e9 y4d0a w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f93 w1476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Expected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ea y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21eb y4f93 w1477 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ec y4f93 w6c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbb w1478 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ed y4fbb w1479 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ee y4fbb w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ef y4fbb w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f0 y4fbb w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f1 y4fbb w147c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4fbb wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,619<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w147d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits receiv<span class=\"_ _0\"></span>ed during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f2 y4dd7 w147e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f3 y4dd7 w147f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1140 y4dd7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f4 y4dd7 w1480 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f5 y4dd7 w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f6 y4dd7 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits repaid during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f7 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f8 y4ca8 wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _0\"></span>715)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f9 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fa y4ca8 w1482 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>773)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fb y4ca8 w1483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32<span class=\"_ _2\"></span>,337)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fc y4b3b wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fd y4b3b w1484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fe y4b3b w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _0\"></span>933)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4b3b w1485 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,355<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbc w1486 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ff y4fbc w1487 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2200 y4fbc w549 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2201 y4fbc w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2202 y4fbc w461 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4fbc w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2203 y4fbc w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t expense on deposits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2204 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2205 y4aa3 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(863)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2206 y4aa3 w1489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9<span class=\"_ _2\"></span>59)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4aa3 w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,368)<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>Key management per<span class=\"_ _0\"></span>sonnel includes members of BOGG\u2019<span class=\"_ _0\"></span>s Board of Directors and k<span class=\"_ _0\"></span>ey e<span class=\"_ _0\"></span>xecutives of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>Details of Dir<span class=\"_ _0\"></span>ectors\u2019 emoluments are included in <span class=\"_ _0\"></span>the Remuneration Report on pages 229 t<span class=\"_ _0\"></span>o 247<span class=\"_ _d\"></span>. Compensation of k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management personnel comprised the follo<span class=\"_ _0\"></span>wing:<span class=\"_ _3e0\"> </span><table class=\"s wc2a h14c\" id=\"_0811a1cb-e550-4794-8d90-bc40e57764eb\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w148a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Salaries and other benefits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w148b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4b44 w148c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2207 y4b44 w148d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w148e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Share-based payments c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2208 y4b45 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26e y4b45 w148f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2209 y4b45 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,048<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Social security costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220a y4b46 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1490 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal ke<span class=\"_ _0\"></span>y management c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1826 y4aa3 w1491 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">68,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220b y4aa3 w1492 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">70,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4aa3 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr></table>Ke<span class=\"_ _0\"></span>y management per<span class=\"_ _0\"></span>sonnel do not receive c<span class=\"_ _0\"></span>ash-settled compensation, ex<span class=\"_ _0\"></span>cept f<span class=\"_ _0\"></span>or fixed salaries. <span class=\"_ _0\"></span>The major part of the to<span class=\"_ _0\"></span>tal compensation is share-based (No<span class=\"_ _0\"></span>te 29). The number<span class=\"_ _0\"></span> of ke<span class=\"_ _0\"></span>y management personnel at 31 December<span class=\"_ _0\"></span> 2023 was 23 (31 December  2022: 23, 31 December 2021: 21).<span class=\"_ _3e0\"> </span>As at<span class=\"_ gs7d\"> </span>31 December 2023 int<span class=\"_ _0\"></span>erest rates on loans issued <span class=\"_ _0\"></span>to key<span class=\"_ _0\"></span> management personnel comprised 16.8% and 4.5% (31 December 20<span class=\"_ _0\"></span>22: 17<span class=\"_ _d\"></span>.<span class=\"_ _0\"></span>9% and 4.5%, 31 December 2021: 28.8% and 4.0%) f<span class=\"_ _0\"></span>or GEL and F<span class=\"_ _0\"></span>C denominated loans, respectively<span class=\"_ _d\"></span>.<span class=\"_ gs7d\"> </span>As at<span class=\"_ gs7d\"> </span>31 December 2023 interes<span class=\"_ _0\"></span>t rates on deposits placed by<span class=\"_ _0\"></span> ke<span class=\"_ _0\"></span>y management personnel c<span class=\"_ _0\"></span>omprised 13.5% and 0.0% (<span class=\"_ _0\"></span>as at 31 December 22: 13.5% and 0<span class=\"_ _0\"></span>.0%, as at 31 December 21: 14.2% and 0.0%) <span class=\"_ _0\"></span>for GEL<span class=\"_ _0\"></span> and FC denominated deposits, respectively<span class=\"_ _5\"></span>.<span class=\"_ gs7d\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-750": {
   "value": "33.  Relat<span class=\"_ _0\"></span>ed par<span class=\"_ _2\"></span>ty disclo<span class=\"_ _0\"></span>sures<span class=\"_ _3e0\"> </span>In accor<span class=\"_ _0\"></span>dance with IAS 24 \u2018Related P<span class=\"_ _0\"></span>arty Disclosures\u2019<span class=\"_ _38\"></span>, parties are considered t<span class=\"_ _0\"></span>o be related if one party has the ability<span class=\"_ _0\"></span> to contr<span class=\"_ _0\"></span>ol the other party or<span class=\"_ _0\"></span> exer<span class=\"_ _0\"></span>cise significant influence o<span class=\"_ _0\"></span>ver the other party<span class=\"_ _0\"></span> in making financial or operational decisions. In considering each possible related party r<span class=\"_ _0\"></span>elationship, attention is dir<span class=\"_ _0\"></span>ected to the substance of<span class=\"_ _0\"></span> the relationship, not mer<span class=\"_ _0\"></span>ely the legal <span class=\"_ _0\"></span>form.<span class=\"_ _3e0\"> </span>Related parties may<span class=\"_ _0\"></span> enter into tr<span class=\"_ _0\"></span>ansactions which unrelated parties might not, and transactions between r<span class=\"_ _0\"></span>elated parties may not be eff<span class=\"_ _0\"></span>ected on the same terms, conditions and amounts as <span class=\"_ _0\"></span>transactions between unrelated parties. All transactions with r<span class=\"_ _0\"></span>elated parties disclosed below have been conducted on an arm\u2019<span class=\"_ _d\"></span>s length basis.<span class=\"_ _3e0\"> </span>The volumes of<span class=\"_ _0\"></span> related party tr<span class=\"_ _0\"></span>ansactions, outstanding balances at the y<span class=\"_ _0\"></span>ear-end, and related e<span class=\"_ _0\"></span>xpenses and income for<span class=\"_ _0\"></span> the year<span class=\"_ _0\"></span> are as follows:<span class=\"_ _3e0\"> </span><table class=\"s w8b4 h184\" id=\"_8239f742-3a1a-48af-8a12-34f0935ab918\"><tr><td></td><td class=\"c n x21c2 y4fb0 w1465 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 20<span class=\"_ _0\"></span>23<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c3 y4fb0 w1466 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2022<span class=\"_ _3e0\"> </span></div></td><td></td><td class=\"c n x21c4 y4fb0 w58 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">At 31 December 2021<span class=\"_ _3e0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m1 x2ff h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x4e7 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td><td></td><td class=\"t m1 x21c5 h77 y4fb1 ffb fs1d fc1 sc0 lsb2 ws102\">Key </td></tr><tr><td></td><td class=\"t m1 x204f h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x5f3 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td><td class=\"t m1 x21c6 h77 y4fb2 ffb fs1d fc1 sc0 ls0 ws0\" colspan=\"2\">management </td></tr><tr><td></td><td class=\"t m1 x12ea h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></td><td class=\"c n x21c7 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c8 y4fb4 w1468 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21c9 y4fb4 w1467 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ca y4fb4 w996 h103\"><div class=\"t m1 x1c5 h77 y4a7b ffb fs1d fc1 sc0 ls0 ws0\">Associates</div></td><td class=\"t m1 x615 h77 y4fb3 ffb fs1d fc1 sc0 ls0 ws0\">personnel*<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4fb5 w1469 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 1 <span class=\"_ _0\"></span>Januar<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, gross<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cb y4fb5 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cc y4fb5 w1007 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cd y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd1c y4fb5 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1564 y4fb5 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ce y4fb5 w5da hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,646<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb6 w146b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans issued during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21cf y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d0 y4fb6 w844 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,663<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x182c y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d1 y4fb6 w405 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">7<span class=\"_ _d\"></span>,090<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb90 y4fb6 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d2 y4fb6 w981 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">8,<span class=\"_ _0\"></span>944<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb7 w146c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loan repayments during <span class=\"_ _0\"></span>the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d3 y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x116f y4fb7 w146d hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls6c wsa1\">(<span class=\"_ _2\"></span>4<span class=\"_ _39\"></span>,9<span class=\"_ _2\"></span>9<span class=\"_ _39\"></span>3)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1eab y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d4 y4fb7 wa5b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(7<span class=\"_ _d\"></span>,246)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc1d y4fb7 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d5 y4fb7 w156 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,531)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb8 weac hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d7 y4fb8 wbe3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 lsa5 wsee\">5<span class=\"_ _2\"></span>47<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d8 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d9 y4fb8 w9bd hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2,075)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xb23 y4fb8 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4fb8 w5fc hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(<span class=\"_ _0\"></span>1,009)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fb9 w146e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, gros<span class=\"_ _0\"></span>s<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21da y4fb9 w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21db y4fb9 w11b8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">11,036<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a14 y4fb9 w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dc y4fb9 w146f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,819<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4fb9 w18c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21dd y4fb9 w146a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,050<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c x1ca y4d27 w1470 hfc\"><div class=\"t m1 x1c5 h1b y4ae7 ff2 fs8 fc1 sc0 ls0 ws0\">Less: allowance <span class=\"_ _0\"></span>for impairment at<span class=\"_ _3e0\"> </span></div><div class=\"t m1 x2d8 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21de y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21df y4d27 w1004 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(110)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e0 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e1 y4d27 w1471 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls34 ws62\">(67<span class=\"_ _2\"></span>)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1a06 y4d27 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e2 y4d27 w9ad hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(27)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fba w1472 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Loans outstanding at 31 December<span class=\"_ _d\"></span>, net<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e3 y4fba w18a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e4 y4fba w1473 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">10,<span class=\"_ _0\"></span>926<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xbe8 y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e5 y4fba w1474 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,752<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xd8b y4fba w17d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1781 y4fba w1458 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,023<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4d0a w1475 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t income on loans<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e6 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e7 y4d0a wded hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">556<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1150 y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e8 y4d0a w10c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">745<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xe2a y4d0a wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21e9 y4d0a w491 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">64<span class=\"_ _2\"></span>4<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4f93 w1476 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Expected credit loss<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ea y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21eb y4f93 w1477 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls15 ws9a\">(4<span class=\"_ _2\"></span>0)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xce3 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ec y4f93 w6c8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(200)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x863 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1075 y4f93 wa1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbb w1478 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 1 January<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ed y4fbb w1479 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ee y4fbb w7c7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ef y4fbb w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f0 y4fbb w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f1 y4fbb w147c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">166<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9d9 y4fbb wad5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">32,619<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w147d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits receiv<span class=\"_ _0\"></span>ed during the year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f2 y4dd7 w147e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _0\"></span>796<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f3 y4dd7 w147f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9,69<span class=\"_ _0\"></span>6<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1140 y4dd7 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f4 y4dd7 w1480 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,212<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f5 y4dd7 w717 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">36<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f6 y4dd7 w10c5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">21,490<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ca8 w1481 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deposits repaid during the <span class=\"_ _0\"></span>year<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f7 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f8 y4ca8 wf9a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _0\"></span>715)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21f9 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fa y4ca8 w1482 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(15,<span class=\"_ _0\"></span>773)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc51 y4ca8 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fb y4ca8 w1483 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(32<span class=\"_ _2\"></span>,337)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b weac hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other movemen<span class=\"_ _0\"></span>ts<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21d6 y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fc y4b3b wda5 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(2<span class=\"_ _2\"></span>,263)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fd y4b3b w1484 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">41<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21fe y4b3b w9f1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(11,<span class=\"_ _0\"></span>933)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xecb y4b3b wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x14aa y4b3b w1485 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">9<span class=\"_ _0\"></span>,355<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fbc w1486 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Deposits at 31 December<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x21ff y4fbc w1487 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">2,039<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2200 y4fbc w549 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13,351<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2201 y4fbc w10f6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">243<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2202 y4fbc w461 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,633<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x12b8 y4fbc w147a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">202<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2203 y4fbc w147b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">31,<span class=\"_ _0\"></span>127<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1488 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Interes<span class=\"_ _0\"></span>t expense on deposits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2204 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2205 y4aa3 w6a8 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(863)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1add y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2206 y4aa3 w1489 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls71 wsa6\">(9<span class=\"_ _2\"></span>59)<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1f01 y4aa3 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xcc1 y4aa3 w5c2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(1,368)<span class=\"_ _3e0\"> </span></div></td></tr></table>* <span class=\"_ _299\"> </span>Key management per<span class=\"_ _0\"></span>sonnel includes members of BOGG\u2019<span class=\"_ _0\"></span>s Board of Directors and k<span class=\"_ _0\"></span>ey e<span class=\"_ _0\"></span>xecutives of the Gr<span class=\"_ _0\"></span>oup.<span class=\"_ _3e0\"> </span>Details of Dir<span class=\"_ _0\"></span>ectors\u2019 emoluments are included in <span class=\"_ _0\"></span>the Remuneration Report on pages 229 t<span class=\"_ _0\"></span>o 247<span class=\"_ _d\"></span>. Compensation of k<span class=\"_ _0\"></span>ey<span class=\"_ _0\"></span> management personnel comprised the follo<span class=\"_ _0\"></span>wing:<span class=\"_ _3e0\"> </span><table class=\"s wc2a h14c\" id=\"_0811a1cb-e550-4794-8d90-bc40e57764eb\"><tr><td></td><td class=\"c n x8d8 y4dd9 w14a h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8d9 y4dd9 w24 h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x8da y4dd9 w14b h101\"><div class=\"t m1 x1c5 h77 y4b48 ffb fs1d fc1 sc0 ls9e wse9\">202<span class=\"_ _2\"></span>1<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b44 w148a hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Salaries and other benefits<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x17c5 y4b44 w148b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,4<span class=\"_ _2\"></span>43<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1b95 y4b44 w148c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">11,841<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2207 y4b44 w148d hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">12<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>915<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w148e hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Share-based payments c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2208 y4b45 w5ef hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">50,861<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x26e y4b45 w148f hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">58,208<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2209 y4b45 wc93 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">25,048<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 wf46 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Social security costs<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220a y4b46 w99c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">381<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x4b9 y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc4d y4b46 wa1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">\u2013<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w1490 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal ke<span class=\"_ _0\"></span>y management c<span class=\"_ _0\"></span>ompensation<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1826 y4aa3 w1491 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">68,685<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220b y4aa3 w1492 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">70,049<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1510 y4aa3 wb92 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">37<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>963<span class=\"_ _3e0\"> </span></div></td></tr></table>Ke<span class=\"_ _0\"></span>y management per<span class=\"_ _0\"></span>sonnel do not receive c<span class=\"_ _0\"></span>ash-settled compensation, ex<span class=\"_ _0\"></span>cept f<span class=\"_ _0\"></span>or fixed salaries. <span class=\"_ _0\"></span>The major part of the to<span class=\"_ _0\"></span>tal compensation is share-based (No<span class=\"_ _0\"></span>te 29). The number<span class=\"_ _0\"></span> of ke<span class=\"_ _0\"></span>y management personnel at 31 December<span class=\"_ _0\"></span> 2023 was 23 (31 December  2022: 23, 31 December 2021: 21).<span class=\"_ _3e0\"> </span>As at<span class=\"_ gs7d\"> </span>31 December 2023 int<span class=\"_ _0\"></span>erest rates on loans issued <span class=\"_ _0\"></span>to key<span class=\"_ _0\"></span> management personnel comprised 16.8% and 4.5% (31 December 20<span class=\"_ _0\"></span>22: 17<span class=\"_ _d\"></span>.<span class=\"_ _0\"></span>9% and 4.5%, 31 December 2021: 28.8% and 4.0%) f<span class=\"_ _0\"></span>or GEL and F<span class=\"_ _0\"></span>C denominated loans, respectively<span class=\"_ _d\"></span>.<span class=\"_ gs7d\"> </span>As at<span class=\"_ gs7d\"> </span>31 December 2023 interes<span class=\"_ _0\"></span>t rates on deposits placed by<span class=\"_ _0\"></span> ke<span class=\"_ _0\"></span>y management personnel c<span class=\"_ _0\"></span>omprised 13.5% and 0.0% (<span class=\"_ _0\"></span>as at 31 December 22: 13.5% and 0<span class=\"_ _0\"></span>.0%, as at 31 December 21: 14.2% and 0.0%) <span class=\"_ _0\"></span>for GEL<span class=\"_ _0\"></span> and FC denominated deposits, respectively<span class=\"_ _5\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTransactionsBetweenRelatedPartiesExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-751": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs790\">34<span class=\"_ _2\"></span>.  Capital adequacy<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs791\">The Group maint<span class=\"_ _0\"></span>ains an actively managed capital base to c<span class=\"_ _0\"></span>over risks inher<span class=\"_ _0\"></span>ent to the business. <span class=\"_ _0\"></span>The adequacy of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s capital is </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs792\">monitored using, among other<span class=\"_ _0\"></span> measures, the r<span class=\"_ _0\"></span>atios established by<span class=\"_ _0\"></span> the NBG in supervising the Bank.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs793\">During the y<span class=\"_ _0\"></span>ear ended 31 December 2023, <span class=\"_ _0\"></span>the Bank and the Group complied in <span class=\"_ _0\"></span>full with all its externally<span class=\"_ _0\"></span> imposed capital </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs794\">requir<span class=\"_ _0\"></span>ements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs795\">The primary objectives of the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s capital management are to ensur<span class=\"_ _0\"></span>e that the Bank complies <span class=\"_ _0\"></span>with externally<span class=\"_ _0\"></span> imposed capital </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs796\">requir<span class=\"_ _0\"></span>ements and that the Gr<span class=\"_ _0\"></span>oup maintains strong cr<span class=\"_ _0\"></span>edit ratings and healthy<span class=\"_ _0\"></span> capital ratios in or<span class=\"_ _0\"></span>der to support its business and </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs797\">to maximise shareholder<span class=\"_ _0\"></span> value. T<span class=\"_ _0\"></span>he Group manages its capital structur<span class=\"_ _0\"></span>e and makes adjustments to it in ligh<span class=\"_ _0\"></span>t of the changes in </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs798\">economic conditions and the risk char<span class=\"_ _0\"></span>acteristics of its activities. In order<span class=\"_ _0\"></span> to maintain or adjust the c<span class=\"_ _0\"></span>apital structure, the Gr<span class=\"_ _0\"></span>oup may </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs799\">adjust the amount of dividend paymen<span class=\"_ _0\"></span>t to shareholders, r<span class=\"_ _0\"></span>eturn capital to shar<span class=\"_ _0\"></span>eholders or issue capital securities. No changes <span class=\"_ _0\"></span>were </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79a\">made in the objectives, policies and pr<span class=\"_ _0\"></span>ocesses fr<span class=\"_ _0\"></span>om the previous <span class=\"_ _0\"></span>years.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs79b\">NBG (Basel III) capital adequacy<span class=\"_ _0\"></span> ratio<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79c\">In December 2017<span class=\"_ _5\"></span>, the NBG adopted amendments to the r<span class=\"_ _0\"></span>egulations relating to capit<span class=\"_ _0\"></span>al adequacy requir<span class=\"_ _0\"></span>ements, including </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79d\">amendments to the r<span class=\"_ _0\"></span>egulation on capital adequacy r<span class=\"_ _0\"></span>equirements <span class=\"_ _0\"></span>for commer<span class=\"_ _0\"></span>cial banks, and introduced ne<span class=\"_ _0\"></span>w requir<span class=\"_ _0\"></span>ements on the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79e\">determination of the c<span class=\"_ _0\"></span>ountercyclical buf<span class=\"_ _0\"></span>fer r<span class=\"_ _0\"></span>ate, on the identification o<span class=\"_ _0\"></span>f systematically<span class=\"_ _0\"></span> important banks, on determining systemic </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs79f\">buff<span class=\"_ _0\"></span>er requir<span class=\"_ _0\"></span>ements and on additional capital buff<span class=\"_ _0\"></span>er requir<span class=\"_ _0\"></span>ements for<span class=\"_ _0\"></span> commercial banks within Pillar<span class=\"_ _0\"></span> 2. The NBG requir<span class=\"_ _0\"></span>es the Bank </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a0\">to maintain a minimum tot<span class=\"_ _0\"></span>al capital adequacy r<span class=\"_ _0\"></span>atio of risk-weigh<span class=\"_ _0\"></span>ted assets, computed based on the Bank\u2019<span class=\"_ _d\"></span>s standalone special-<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a1\">purpose financial statements pr<span class=\"_ _0\"></span>epared in accor<span class=\"_ _0\"></span>dance with NBG r<span class=\"_ _0\"></span>egulations and pronouncements, based on Basel III r<span class=\"_ _0\"></span>equirements.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a2\">In January 20<span class=\"_ _0\"></span>23, the NBG transitioned t<span class=\"_ _0\"></span>o IFRS-based accounting and intr<span class=\"_ _0\"></span>oduced a new Pillar 2 buf<span class=\"_ _0\"></span>fer \u2013 Cr<span class=\"_ _0\"></span>edit Risk Adjustment </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a3\">(CRA) buf<span class=\"_ _0\"></span>fer<span class=\"_ _d\"></span>, to acc<span class=\"_ _0\"></span>ount for<span class=\"_ _0\"></span> the differ<span class=\"_ _0\"></span>ence between the NBG-based and <span class=\"_ _0\"></span>the IFRS-based provision levels (higher<span class=\"_ _0\"></span> in the former<span class=\"_ _0\"></span> case<span class=\"_ _0\"></span>). </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a4\">As at 31 December 2023, 31 December<span class=\"_ _0\"></span> 2022 and 31 December 2021, the Bank\u2019<span class=\"_ _d\"></span>s capital adequacy r<span class=\"_ _0\"></span>atio on this basis was as f<span class=\"_ _0\"></span>ollows: </div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs7a5\">IFRS-based NBG (Basel III) capital adequacy<span class=\"_ _0\"></span> ratio<span class=\"_ _3e0\"> </span></div><div class=\"gs7a6\"><table class=\"s w449 h185\" id=\"_a0ad4209-4660-4b8a-985a-b347340a418d\"><tr><td></td><td class=\"t m1 x5de h77 y4fbd ffb fs1d fc1 sc0 ls0 ws0\">As at </td></tr><tr><td></td><td class=\"t m1 x48d h77 y4fbe ffb fs1d fc1 sc0 ls0 ws0\">31 December </td></tr><tr><td></td><td class=\"t m1 x2fc h77 y4fbf ffb fs1d fc1 sc0 ls0 ws0\">2023<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4ac3 w1493 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 1 capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220c y4ac3 w1494 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">4,603,352<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fc0 w1495 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 2 capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220d y4fc0 wf5c hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls55 ws84\">499,018<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adb w1496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220e y4adb w1497 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">5,<span class=\"_ _0\"></span>102,370<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4dd7 w1498 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Risk-<span class=\"_ _0\"></span>weighted assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x220f y4dd7 w1499 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">23,<span class=\"_ _0\"></span>061,<span class=\"_ _0\"></span>905<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4f w149a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Tier 1 capital r<span class=\"_ _0\"></span>atio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x9de y4b4f w149b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls1c ws61\">20.0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac8 w149c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal capital r<span class=\"_ _0\"></span>atio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xfd7 y4ac8 w149d hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">22.<span class=\"_ _0\"></span>1%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w149e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Min. requir<span class=\"_ _0\"></span>ement for <span class=\"_ _0\"></span>Tier 1 capital ratio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2210 y4ac9 w149f hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16.7%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w14a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Min. requir<span class=\"_ _0\"></span>ement for <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>otal capital ratio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2211 y4aa3 wbd2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _d\"></span>.6%<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7a7\">As at 31 December 2022 and 31 December<span class=\"_ _0\"></span> 2021, the Bank\u2019<span class=\"_ _0\"></span>s capital adequacy<span class=\"_ _0\"></span> were as f<span class=\"_ _0\"></span>ollows: </div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs7a8\">NBG (Basel III) capital adequacy r<span class=\"_ _0\"></span>atio<span class=\"_ _3e0\"> </span></div><div class=\"gs7a9\"><table class=\"s w28e h185\" id=\"_9847187f-a4d9-49c4-b3f0-3e6278ded642\"><tr><td></td><td class=\"t m1 x6d0 h77 y4fc1 ffb fs1d fc1 sc0 ls0 ws0\">As at </td><td class=\"t m1 x5de h77 y4fc1 ffb fs1d fc1 sc0 ls0 ws0\">As at </td></tr><tr><td></td><td class=\"t m1 x48c h77 y4fc2 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td><td class=\"t m1 x48d h77 y4fc2 ffb fs1d fc1 sc0 ls0 ws0\">31 December </td></tr><tr><td></td><td class=\"t m1 x48f h77 y4fc3 ffb fs1d fc1 sc0 ls0 ws0\">2022<span class=\"_ _3e0\"> </span></td><td class=\"t m1 x490 h77 y4fc3 ffb fs1d fc1 sc0 ls9e wse9\">2021<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4fc4 w1493 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 1 capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2212 y4fc4 w14a1 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">3,388,048</div></td><td class=\"c n x2213 y4fc4 w14a2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">2<span class=\"_ _2\"></span>,691,000<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fc5 w1495 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Tier 2 capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2214 y4fc5 w14a3 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">618,232</div></td><td class=\"c n x2215 y4fc5 w14a4 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">784,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adb w1496 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal capital<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2216 y4adb w14a5 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">4,006,280</div></td><td class=\"c n xf3d y4adb w36 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">3,475,800<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4adc w1498 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Risk-<span class=\"_ _0\"></span>weighted assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2217 y4adc w14a6 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">20,279<span class=\"_ _0\"></span>,424</div></td><td class=\"c n x2218 y4adc w1f7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>977<span class=\"_ _d\"></span>,9<span class=\"_ _0\"></span>49<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b4f w149a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Tier 1 capital r<span class=\"_ _0\"></span>atio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x748 y4b4f w14a7 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">16.7%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2219 y4b4f w14a8 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">15.0%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4c91 w149c hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal capital r<span class=\"_ _0\"></span>atio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221a y4c91 wcc2 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19<span class=\"_ _0\"></span>.8%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x179f y4c91 w14a9 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">19.3%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4ac9 w149e hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Min. requir<span class=\"_ _0\"></span>ement for <span class=\"_ _0\"></span>Tier 1 capital ratio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221a y4ac9 w14aa hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13.8%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xdaa y4ac9 w14ab hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">13.6%<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w14a0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Min. requir<span class=\"_ _0\"></span>ement for <span class=\"_ _0\"></span>T<span class=\"_ _d\"></span>otal capital ratio<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x1e94 y4aa3 w42b hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>.2%<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221b y4aa3 w958 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>.7%</div></td></tr></table></div>",
   "dimensions": {
    "concept": "bogg:DislosureOfCapitalAdequacy",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-752": {
   "value": "<div class=\"t m1 hb ffb fs7 fc3 sc0 ls0 ws0 gs7ab\">35.  Even<span class=\"_ _0\"></span>ts after the r<span class=\"_ _0\"></span>eporting period<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ac\">On 15 March 2024, the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s Board of Directors appr<span class=\"_ _0\"></span>oved a GEL<span class=\"_ _0\"></span> 100 million extension of <span class=\"_ _0\"></span>the share buyback and cancellation </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ad\">progr<span class=\"_ _0\"></span>amme. The shar<span class=\"_ _0\"></span>es will be purchased in the open mark<span class=\"_ _0\"></span>et. The purpose of the buyback<span class=\"_ _0\"></span> is to reduce the surplus c<span class=\"_ _0\"></span>apital, and the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ae\">cancellation of <span class=\"_ _0\"></span>the treasury shar<span class=\"_ _0\"></span>es will be execut<span class=\"_ _0\"></span>ed on a monthly basis.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs7af\">Business combinations </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b0\">On 31 March 2024, with r<span class=\"_ _0\"></span>efer<span class=\"_ _0\"></span>ence to Share Pur<span class=\"_ _0\"></span>chase Agr<span class=\"_ _0\"></span>eement (\u2018SP<span class=\"_ _0\"></span>A<span class=\"_ _d\"></span>\u2019) dated 18 February 2024, the Gr<span class=\"_ _0\"></span>oup acquired 90% of <span class=\"_ _0\"></span>the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b1\">share capital o<span class=\"_ _0\"></span>f Ameriabank CJSC, one of <span class=\"_ _0\"></span>the leading banks operating in Armenia, f<span class=\"_ _0\"></span>rom selling shareholder<span class=\"_ _0\"></span>s IMAST Gr<span class=\"_ _0\"></span>oup (CY) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b2\">Limited (<span class=\"_ _0\"></span>owning 48.82% shares in Ameriabank CJS<span class=\"_ _0\"></span>C), European Bank f<span class=\"_ _0\"></span>or Reconstruction and Dev<span class=\"_ _0\"></span>elopment (o<span class=\"_ _0\"></span>wning 17<span class=\"_ _d\"></span>.71% shares </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b3\">in Ameriabank CJSC out of<span class=\"_ _0\"></span> which 7<span class=\"_ _d\"></span>.71% shares <span class=\"_ _0\"></span>were acquir<span class=\"_ _0\"></span>ed and remaining 10% is subject to put/<span class=\"_ _d\"></span>call option), <span class=\"_ _0\"></span>Asian Development </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b4\">Bank (<span class=\"_ _0\"></span>owning 13.<span class=\"_ _0\"></span>92% shares in <span class=\"_ _0\"></span>Ameriabank CJSC), ESPS Holding Limited (<span class=\"_ _0\"></span>owning 12.05% shares in Ameriabank<span class=\"_ _0\"></span> CJSC) and Af<span class=\"_ _0\"></span>eyan </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b5\">Foundation f<span class=\"_ _0\"></span>or Armenia Inc. (<span class=\"_ _d\"></span>owning 7<span class=\"_ _d\"></span>.5% shares in Ameriabank CJSC). <span class=\"_ _0\"></span>The acquisition is financed b<span class=\"_ _0\"></span>y cash consider<span class=\"_ _0\"></span>ation of US$ </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b6\">276,<span class=\"_ _d\"></span>989 thousand (<span class=\"_ _0\"></span>appro<span class=\"_ _0\"></span>ximately GEL<span class=\"_ _0\"></span> 746,569 thousand) out of<span class=\"_ _0\"></span> which US$ 21,031 thousand <span class=\"_ _0\"></span>which equals to appro<span class=\"_ _0\"></span>ximately GEL<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b7\">56,686 thousand, is def<span class=\"_ _0\"></span>erred and is due in six months af<span class=\"_ _0\"></span>ter the completion date. <span class=\"_ _0\"></span>The remaining 10% of<span class=\"_ _0\"></span> share capital r<span class=\"_ _0\"></span>etained </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b8\">by<span class=\"_ _0\"></span> European Bank f<span class=\"_ _0\"></span>or Reconstr<span class=\"_ _0\"></span>uction and Development is subject to a put/<span class=\"_ _d\"></span>call option. Price of<span class=\"_ _0\"></span> the put/<span class=\"_ _d\"></span>call option is US$ 30,<span class=\"_ _0\"></span>777 </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7b9\">thousand (<span class=\"_ _0\"></span>approximately<span class=\"_ _0\"></span> GEL 82,<span class=\"_ _d\"></span>955 thousand) with interest ac<span class=\"_ _0\"></span>crued till the ex<span class=\"_ _0\"></span>ercise date at a r<span class=\"_ _0\"></span>ate of 6-month SOFR + 3.5% p.<span class=\"_ _0\"></span>a. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ba\">subject to off<span class=\"_ _0\"></span>set by an<span class=\"_ _0\"></span>y dividends paid to EBRD <span class=\"_ _0\"></span>till exer<span class=\"_ _0\"></span>cise date. The Gr<span class=\"_ _0\"></span>oup can ex<span class=\"_ _0\"></span>ercise call option an<span class=\"_ _0\"></span>ytime up to 3 years af<span class=\"_ _0\"></span>ter </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7bb\">completion, while put option c<span class=\"_ _0\"></span>an be exer<span class=\"_ _0\"></span>cised by<span class=\"_ _0\"></span> EBRD in 3 years af<span class=\"_ _0\"></span>ter completion. A<span class=\"_ _0\"></span>fter the acquisition <span class=\"_ _0\"></span>the Group shall accoun<span class=\"_ _0\"></span>t for </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7bc\">as acquired <span class=\"_ _0\"></span>the entire issued shar<span class=\"_ _0\"></span>e capital of Ameriabank CJSC, <span class=\"_ _0\"></span>with ownership split between BOG <span class=\"_ _0\"></span>JSC with a 30% shareholding </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7bd\">and BOGG a 70% shar<span class=\"_ _0\"></span>eholding (including the presen<span class=\"_ _0\"></span>t ownership of 10% shares subject t<span class=\"_ _0\"></span>o the put/<span class=\"_ _d\"></span>call). </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7be\">The Group analysed <span class=\"_ _0\"></span>the terms of the put/<span class=\"_ _5\"></span>call option to assess whether <span class=\"_ _0\"></span>the Group has obtained presen<span class=\"_ _0\"></span>t ownership rights over<span class=\"_ _0\"></span> the shares </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7bf\">subject to option at the acquisition date<span class=\"_ _0\"></span>. The Gr<span class=\"_ _0\"></span>oup has concluded that the shares subject t<span class=\"_ _0\"></span>o option shall be accounted f<span class=\"_ _0\"></span>or as acquir<span class=\"_ _0\"></span>ed<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7c0\">(no NCI will be rec<span class=\"_ _0\"></span>ognised) and the option shall be recor<span class=\"_ _0\"></span>ded as a financial liability f<span class=\"_ _0\"></span>orming a part of the consider<span class=\"_ _0\"></span>ation transf<span class=\"_ _0\"></span>erred.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c1\">The acquisition will enable the Gr<span class=\"_ _0\"></span>oup\u2019<span class=\"_ _d\"></span>s expansion in the Armenian mark<span class=\"_ _0\"></span>et and is expected to pr<span class=\"_ _0\"></span>ovide significant str<span class=\"_ _0\"></span>ategic, </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c2\">commercial and <span class=\"_ _0\"></span>financial benefits to the Gr<span class=\"_ _0\"></span>oup as outlined below:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c3\">\u2022 <span class=\"_ _59\"> </span>The Armenian economy<span class=\"_ _0\"></span> and banking sector have certain attr<span class=\"_ _0\"></span>active characteristics similar <span class=\"_ _0\"></span>to those in the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s principal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c4\">operating coun<span class=\"_ _0\"></span>tr<span class=\"_ _2\"></span>y<span class=\"_ _d\"></span>, Georgia, and the Board consider<span class=\"_ _0\"></span>s this as an attractive mark<span class=\"_ _0\"></span>et f<span class=\"_ _0\"></span>or expansion that fits <span class=\"_ _0\"></span>very well with the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c5\">current <span class=\"_ _0\"></span>footprint. Armenia is a neighbouring country <span class=\"_ _0\"></span>with a high-growth economy<span class=\"_ _0\"></span> of similar siz<span class=\"_ _0\"></span>e to Georgia. <span class=\"_ _0\"></span>The overall <span class=\"_ _0\"></span>Armenian </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c6\">economy<span class=\"_ _0\"></span> is less lever<span class=\"_ _0\"></span>aged compared with the Geor<span class=\"_ _0\"></span>gian economy<span class=\"_ _d\"></span>, creating a supportive envir<span class=\"_ _0\"></span>onment f<span class=\"_ _0\"></span>or further banking sector </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c7\">growth in coming <span class=\"_ _0\"></span>years. <span class=\"_ _0\"></span>The Armenian banking sector is financially<span class=\"_ _0\"></span> prudent with low mark<span class=\"_ _0\"></span>et share conc<span class=\"_ _0\"></span>entration levels o<span class=\"_ _0\"></span>ffering </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs7c8\">scope for<span class=\"_ _0\"></span> further consolidation.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7c9\">\u2022 <span class=\"_ _59\"> </span>Ameriabank CJSC is one of the leading univer<span class=\"_ _0\"></span>sal banks in Armenia with prudent risk policies and a str<span class=\"_ _0\"></span>ong profitability<span class=\"_ _0\"></span> track </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ca\">recor<span class=\"_ _0\"></span>d and has an attractive <span class=\"_ _0\"></span>franchise with signific<span class=\"_ _0\"></span>ant upside potential fr<span class=\"_ _0\"></span>om lever<span class=\"_ _0\"></span>aging the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s customer f<span class=\"_ _0\"></span>ocus and digital </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7cb\">capabilities. Ameriabank CJSC has a leading mark<span class=\"_ _0\"></span>et position in Armenia based on <span class=\"_ _0\"></span>the loan portfolio size and a particularly </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7cc\">strong f<span class=\"_ _0\"></span>oothold in the corpor<span class=\"_ _0\"></span>ate segment. The marke<span class=\"_ _0\"></span>t share in retail segmen<span class=\"_ _0\"></span>t is also increasing boosted by<span class=\"_ _0\"></span> improving digital </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7cd\">off<span class=\"_ _0\"></span>erings. The Gr<span class=\"_ _0\"></span>oup believes that Ameriabank CJS<span class=\"_ _0\"></span>C has significant growth potential and <span class=\"_ _0\"></span>further scope to impr<span class=\"_ _0\"></span>ove commercial </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7ce\">performance, particularly<span class=\"_ _0\"></span> in retail. <span class=\"_ _0\"></span>This is expected to be achiev<span class=\"_ _0\"></span>ed by c<span class=\"_ _0\"></span>ombining Ameriabank CJSC\u2019<span class=\"_ _0\"></span>s existing <span class=\"_ _0\"></span>franchise str<span class=\"_ _0\"></span>engths </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7cf\">with the Group<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s expertise. Besides, <span class=\"_ _0\"></span>Ameriabank CJSC has a well-regar<span class=\"_ _0\"></span>ded and experienced management <span class=\"_ _0\"></span>team who agreed t<span class=\"_ _0\"></span>o </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d0\">stay on af<span class=\"_ _0\"></span>ter the acquisition (f<span class=\"_ _0\"></span>or at least 24 months).<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d1\">\u2022 <span class=\"_ _59\"> </span>The acquisition off<span class=\"_ _0\"></span>ers multiple strategic benefits <span class=\"_ _0\"></span>to the Group allowing it <span class=\"_ _0\"></span>to diversify its r<span class=\"_ _0\"></span>evenue streams, unlock<span class=\"_ _0\"></span> further growth </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d2\">potential and incr<span class=\"_ _0\"></span>ease scale. Considering the Gr<span class=\"_ _0\"></span>oup has achieved leading market shar<span class=\"_ _0\"></span>es in Georgia, an e<span class=\"_ _0\"></span>xpansion geographically<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d3\">unlocks further gr<span class=\"_ _0\"></span>owth potential beyond <span class=\"_ _0\"></span>the local Georgian mark<span class=\"_ _0\"></span>et<span class=\"_ _2\"></span>. The acquisition also has str<span class=\"_ _0\"></span>ong financial rationale <span class=\"_ _0\"></span>that fulfils </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d4\">strict internal financial criteria set b<span class=\"_ _0\"></span>y the Gr<span class=\"_ _0\"></span>oup and is expected to r<span class=\"_ _0\"></span>esult in significant value cr<span class=\"_ _0\"></span>eation for<span class=\"_ _0\"></span> shareholders.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d5\">The acquisition-date f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> the total pur<span class=\"_ _0\"></span>chase consideration and its components ar<span class=\"_ _0\"></span>e as follo<span class=\"_ _0\"></span>ws:<span class=\"_ _3e0\"> </span></div><div class=\"gs7d6\"><table class=\"s w14ac h160\" id=\"_6f925426-cf73-4489-bfa7-f2d0b6a28fec\"><tr><td class=\"t m1 x1c9 h77 y4fc6 ffb fs1d fc1 sc0 ls0 ws0\">In thousands of GEL<span class=\"_ _3e0\"> </span></td><td></td></tr><tr><td class=\"c n x1ca y4b44 w14ad hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash consider<span class=\"_ _0\"></span>ation payment<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221c y4b44 w25b hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">689<span class=\"_ _0\"></span>,883<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b45 w5ea hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Deferr<span class=\"_ _0\"></span>ed consideration<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221d y4b45 w4f2 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">56,686<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w14ae hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Present <span class=\"_ _0\"></span>value of redemption liability<span class=\"_ _0\"></span> for<span class=\"_ _0\"></span> put option<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221e y4b46 w14af hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">82<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>955<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w14b0 hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal purchase c<span class=\"_ _0\"></span>onsideration<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x221f y4aa3 w140a hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">829<span class=\"_ _d\"></span>,524<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d7\">Acquisition-r<span class=\"_ _0\"></span>elated transaction costs of GEL<span class=\"_ _0\"></span> 6,<span class=\"_ _0\"></span>965 thousand w<span class=\"_ _0\"></span>ere expensed as gener<span class=\"_ _0\"></span>al and administrative e<span class=\"_ _0\"></span>xpenses in 2023. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7d8\">Additionally<span class=\"_ _d\"></span>, GEL 17<span class=\"_ _5\"></span>,713 thousand acquisition-related c<span class=\"_ _0\"></span>ost was expensed as gener<span class=\"_ _0\"></span>al and administrative e<span class=\"_ _0\"></span>xpenses in 2024. </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7da\">The purchase consider<span class=\"_ _0\"></span>ation is based on the book value o<span class=\"_ _0\"></span>f Ameriabank CJSC based on balance sheet as at 30 October 20<span class=\"_ _0\"></span>23 prepared </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7db\">under IFRS. Howev<span class=\"_ _0\"></span>er<span class=\"_ _d\"></span>, in accordance <span class=\"_ _0\"></span>with IFRS 3 \u2018Business Combinations\u2019<span class=\"_ _5\"></span>, the Group must ac<span class=\"_ _0\"></span>count for<span class=\"_ _0\"></span> business acquisitions based on f<span class=\"_ _0\"></span>air </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7dc\">values of the iden<span class=\"_ _0\"></span>tifiable assets acquired, and liabilities assumed. <span class=\"_ _0\"></span>These two diff<span class=\"_ _0\"></span>erent appr<span class=\"_ _0\"></span>oaches can lead to diff<span class=\"_ _0\"></span>erences; and, as se<span class=\"_ _0\"></span>t<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7dd\">out in the table below<span class=\"_ _d\"></span>, the exc<span class=\"_ _0\"></span>ess of the net f<span class=\"_ _0\"></span>air value of<span class=\"_ _0\"></span> the acquiree<span class=\"_ _0\"></span>\u2019<span class=\"_ _0\"></span>s identifiable assets and liabilities over<span class=\"_ _0\"></span> cost (\u2018negative goodwill\u2019) </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7de\">is immediately r<span class=\"_ _0\"></span>ecorded in pr<span class=\"_ _0\"></span>ofit or loss f<span class=\"_ _0\"></span>or the <span class=\"_ _0\"></span>year<span class=\"_ _d\"></span>. Details of the assets and liabilities acquir<span class=\"_ _0\"></span>ed and negative goodwill arising fr<span class=\"_ _0\"></span>om the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7df\">acquisition are as <span class=\"_ _0\"></span>follows:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h77 ffb fs1d fc1 sc0 ls0 ws0 gs7e0\">In thousands of GEL<span class=\"_ _3e0\"> </span></div><div class=\"gs7e1\"><table class=\"s wc2e h186\" id=\"_a1bfc8f9-33b5-42ca-9fff-3ce6a22d85e8\"><tr><td></td><td class=\"t m1 x63b h77 y4fc7 ffb fs1d fc1 sc0 ls0 wse4\">Attribut<span class=\"_ _0\"></span>ed fair </td></tr><tr><td></td><td class=\"t m1 x5de h77 y4fc8 ffb fs1d fc1 sc0 ls0 ws0\">value<span class=\"_ _3e0\"> </span></td></tr><tr><td class=\"c n x1ca y4fc9 w26 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Cash and cash equivalents<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2220 y4fc9 w68a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">679<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>965<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4fca w2b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts due fr<span class=\"_ _0\"></span>om credit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2221 y4fca w14b1 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">735,733<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cdc w30 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Investment securities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2222 y4cdc w14b2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">1,<span class=\"_ _d\"></span>179<span class=\"_ _0\"></span>,372<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cad w35 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Loans to customers and <span class=\"_ _0\"></span>finance lease receivables<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2223 y4cad w143a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">6,558,7<span class=\"_ _0\"></span>68<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cae w3a2 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">For<span class=\"_ _0\"></span>eclosed assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2224 y4cae wfda hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">5,259<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cc3 w47 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Right-of<span class=\"_ _0\"></span>-use assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2225 y4cc3 w14b3 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">85,508<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb0 w51 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Property and equipmen<span class=\"_ _0\"></span>t<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2226 y4cb0 w6b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">74,213<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb1 w58 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Intangible assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2227 y4cb1 w14b4 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">103,089<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cbf w5c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2228 y4cbf w398 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">17<span class=\"_ _d\"></span>,054<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb3 w39a hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other assets<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2229 y4cb3 wc49 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">112,578<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb4 w6e hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Client deposits and notes<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222a y4cb4 w14b5 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(6,<span class=\"_ _d\"></span>125,<span class=\"_ _d\"></span>166)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9b w72 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Amounts owed to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222b y4a9b w652 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(757<span class=\"_ _d\"></span>,<span class=\"_ _0\"></span>763)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9c w77 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Debt securities issued<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222c y4a9c w14b6 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(831,851)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4cb6 w7b hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Lease liability<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222d y4cb6 w14b7 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(85,508)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9e w14b8 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Accruals and Def<span class=\"_ _0\"></span>erred Income<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222e y4a9e w51c hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(42,349)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4a9f w83 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws16\">Income tax liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x222f y4a9f w14b9 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(78,800)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3a w88 hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">Other liabilities<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2230 y4b3a w14ba hf5\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">(169<span class=\"_ _d\"></span>,397)<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b3b w14bb hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Fair v<span class=\"_ _0\"></span>alue of identifiable net assets of s<span class=\"_ _0\"></span>ubsidiar<span class=\"_ _2\"></span>y acquir<span class=\"_ _0\"></span>ed<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2231 y4b3b w14bc hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">1,460,705<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4b46 w14bd hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">T<span class=\"_ _d\"></span>otal purchase c<span class=\"_ _0\"></span>onsideration<span class=\"_ _3e0\"> </span></div></td><td class=\"c n xc11 y4b46 w1312 hf6\"><div class=\"t m1 x1c5 h1b y4a7e ff2 fs8 fc1 sc0 ls0 ws0\">829,524<span class=\"_ _3e0\"> </span></div></td></tr><tr><td class=\"c n x1ca y4aa3 w14be hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">Negative goodwill arising fr<span class=\"_ _0\"></span>om the acquisition<span class=\"_ _3e0\"> </span></div></td><td class=\"c n x2232 y4aa3 w14bf hf6\"><div class=\"t m1 x1c5 h1b y4a8e ffb fs8 fc1 sc0 ls0 ws0\">(631,<span class=\"_ _d\"></span>181)<span class=\"_ _3e0\"> </span></div></td></tr></table></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7e2\">The f<span class=\"_ _0\"></span>air values of assets and liabilities ac<span class=\"_ _0\"></span>quired are based on disc<span class=\"_ _0\"></span>ounted cash flow models. <span class=\"_ _0\"></span>The f<span class=\"_ _0\"></span>air value of the iden<span class=\"_ _0\"></span>tifiable net assets of </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 lsb ws0 gs7e3\">GEL 1,460,<span class=\"_ _0\"></span>705 <span class=\"_ _0\"></span>thousand is provisional given it is based on F<span class=\"_ _0\"></span>ebruar<span class=\"_ _2\"></span>y 2024 <span class=\"_ _0\"></span>valuation which will be updated as at acquisition date<span class=\"_ _0\"></span>.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e4\">The valuation of iden<span class=\"_ _0\"></span>tifiable intangible assets was performed b<span class=\"_ _0\"></span>y an independent pr<span class=\"_ _0\"></span>ofessional appr<span class=\"_ _0\"></span>aiser<span class=\"_ _d\"></span>. Based on the appraisal </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e5\">report, the follo<span class=\"_ _0\"></span>wing items are included in the pur<span class=\"_ _0\"></span>chase price allocation:<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e6\">\u2022 <span class=\"_ _59\"> </span>brand name valued at GEL<span class=\"_ _0\"></span> 29<span class=\"_ _0\"></span>,495 thousands; and<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e7\">\u2022 <span class=\"_ _59\"> </span>customer relationships <span class=\"_ _0\"></span>valued at GEL 34,516 thousands.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e8\">The negative goodwill is primarily<span class=\"_ _0\"></span> attributable to the scar<span class=\"_ _0\"></span>city of poten<span class=\"_ _0\"></span>tial buyers in Armenian mark<span class=\"_ _0\"></span>et considering the value of<span class=\"_ _0\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws0 gs7e9\">the net assets acquir<span class=\"_ _0\"></span>ed. Additionally<span class=\"_ _d\"></span>, the Group is a UK<span class=\"_ _0\"></span> listed financial institution which gave the Managemen<span class=\"_ _0\"></span>t further ability to </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls0 ws16 gs7ea\">negotiate the deal.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs7eb\">At acquisition, the c<span class=\"_ _0\"></span>arr<span class=\"_ _2\"></span>ying amount of loans to customer<span class=\"_ _0\"></span>s and finance lease receiv<span class=\"_ _0\"></span>ables classified as POCI by <span class=\"_ _0\"></span>the Group in the </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs7ec\">consolidated financial statemen<span class=\"_ _0\"></span>t is GEL 75,<span class=\"_ _0\"></span>726. The remaining amoun<span class=\"_ _0\"></span>t of GEL 6,483,042 thousand r<span class=\"_ _0\"></span>epresents the gr<span class=\"_ _0\"></span>oss carrying amount<span class=\"_ _2\"></span> </div><div class=\"t m1 h1b ff2 fs8 fc1 sc0 ls1 ws0 gs7ed\">of stage 1 loans to customer<span class=\"_ _0\"></span>s and finance lease rec<span class=\"_ _0\"></span>eivables.<span class=\"_ _3e0\"> </span></div><div class=\"t m1 h36 ffb fs1a fc3 sc0 ls0 ws0 gs7ee\">Additional <span class=\"_ _0\"></span>Tier 1 Notes </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "Bank of Geor<span class=\"_ _0\"></span>gia Group PL<span class=\"_ _0\"></span>C  29 Farm Str<span class=\"_ _0\"></span>eet  London W1J 5RL <span class=\"ws0\"> </span>United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:213800XKDG12NQG8VC53",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  }
 }
}